| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. HEINTZ3 Filed as: ROBERT A HEINTZ | 126 N BRIDGE ST DEWITT, MI 48820 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $2K | $7K | 0.16% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING AGENCY | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $307 | $307 | 0.01% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 3.00% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | LINCOLN NATIONAL INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| EDGE INSURANCE GROUP LLC3 | 126 N BRIDGE ST DEWITT, MI 48820 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.06% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ARTHUR J GALLAGHER RISK MANAGEMENT | TWO PIERCE PLACE ITASCA, IL 60143 | CHUBB AND SON, A DIVISION OF FEDERAL INSURANCE COMPANY | $410 | — | $410 | 20.00% |
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 | 516 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,176 | $4.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,183 | $357K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,176 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL INSURANCE COMPANY | 516 | $161K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $59K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,176 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.