| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $16K | $0 | $16K | 4.43% |
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $11K | $0 | $11K | 4.43% |
| MICHAEL HILL3 | 25 W 8TH STREET STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $7K | $0 | $7K | 4.44% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | COMPANION LIFE | $4K | $0 | $4K | 5.62% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 4500 CASCADE ROAD SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $2K | $0 | $2K | 2.53% |
| AGENT ALLIANCE CORPORATION3 | 4500 CASCADE ROAD SE SUITE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $176 | $0 | $176 | 0.28% |
| EDIFY NORTH, LLC3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.51% |
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $948 | $0 | $948 | 4.45% |
| EDIFY NORTH, LLC3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 16.92% |
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $236 | $0 | $236 | 8.02% |
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $151 | $0 | $151 | 8.00% |
| MICHAEL HILL3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $103 | $0 | $103 | 7.98% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | PRIORITY HEALTH | 115 | $797K |
| Dental | COMPANION LIFE | 73 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $48K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $48K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.