| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. HEINTZ3 | 5570 WILSON AVENUE SE, SUITE D GRANDVILLE, MI 49418 | PRIORITY HEALTH | $34K | — | $34K | 4.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE GROUP, INC. | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAN, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.98% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.04% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $782 | — | $782 | 9.95% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 128 | $858K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $82K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 111 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $82K |
| Prescription drug | PRIORITY HEALTH | 128 | $858K |
| Other(2 contracts, 2 carriers) | PRIORITY HEALTH | 268 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.