Welfare broker

ROBERT A. HEINTZ

Mailing address (most recent filing)

5570 WILSON AVENUE SW, SUITE D

GRANDVILLE, MI 49418

Carrier mix

Where ROBERT A. HEINTZ places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CARE NETWORK OF MICHIGAN	2	$5.6M	40.0%
BLUE CROSS OF CALIFORNIA	2	$8.7M	40.0%
PRIORITY HEALTH	1	$948K	20.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	5	$15.2M	0.2%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of ROBERT A. HEINTZ's plans by broker comp / premium ratio. Median 4.70% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

Share of ROBERT A. HEINTZ's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-5 of 5 sponsors where ROBERT A. HEINTZ is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CARELINC MEDICAL EQUIPMENT & SUPPLY CO., LLC CARELINC HEALTH PLAN	MI	$7.7M	$218K	BLUE CROSS BLUE SHIELD OF MICHIGAN
FIRST NATIONAL BANK OF AMERICA FIRST NATIONAL BANK OF AMERICA	MI	$4.0M	$138K	BLUE CARE NETWORK OF MICHIGAN
OLOR, LLC OLOR, LLC GROUP INSURANCE PLAN	MI	$1.6M	$76K	BLUE CARE NETWORK OF MICHIGAN
THE FOURMIDABLE GROUP, INC. FOURMIDABLE GROUP EMPLOYEE BENEFIT PLAN	MI	$981K	$73K	BLUE CROSS BLUE SHIELD OF MICHIGAN
CHEEZE KURLS, LLC CHEEZE KURLS, LLC EMPLOYEE BENEFITS PLAN	MI	$948K	$51K	PRIORITY HEALTH