| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. HEINTZ3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 2.85% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $804 | $804 | 0.14% |
| ROBERT A. HEINTZ3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 2.75% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $444 | $444 | 0.15% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $24K | 19.73% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 9.96% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 11.97% |
| TRIONFO3 | 333 WEST PIERCE ROAD, SUITE 190 ITASCA, IL 60143 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $458 | $1K | $2K | 41.21% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $882K |
| Dental | DELTA DENTAL OF MICHIGAN | 152 | $63K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 136 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $120K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $882K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.