| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUECROSS BLUESHIELD OF TEXAS | $38K | $0 | $38K | 6.76% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $1K | $1K | 0.18% |
| ROBERT A. HEINTZ3 | 126 NORTH BRIDGE STREET DEWITT, MI 48820 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 4851 LYNDON B JOHNSON FREE WAY SUITE 100 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.96% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| LIFETIME FINANCIAL GROWTH OF M3 | UNKNOWN CORPUS CHRISTI, TX 78415 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.05% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.01% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 111 WEST HOUSTON STREET SAN ANTONIO, TX 78205 | HARTFORD LIFE AND ACCIDENT | -$1 | $14 | $13 | 0.14% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 133 | $562K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 133 | $562K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 136 | $44K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 136 | $44K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $40K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 133 | $562K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 136 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.