| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $12K | $0 | $12K | 2.93% |
| JEFFREY BILOT3 | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $6K | $0 | $6K | 1.57% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $6K | $0 | $6K | 2.89% |
| JEFFREY BILOT3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $3K | $0 | $3K | 1.61% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $6K | $0 | $6K | 2.97% |
| JEFFREY BILOT3 | 25 W 8TH STREET STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $3K | $0 | $3K | 1.53% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.46% |
| EDIFY NORTH, LLC3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 13.48% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $647 | $0 | $647 | 3.00% |
| JEFFREY BILOT3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $323 | $0 | $323 | 1.50% |
| EDIFY NORTH, LLC3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 2.85% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $148 | $0 | $148 | 5.05% |
| JEFFREY BILOT3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH INSURANCE COMPANY | $86 | $0 | $86 | 2.93% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $110 | $0 | $110 | 5.53% |
| JEFFREY BILOT3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH INSURANCE COMPANY | $49 | $0 | $49 | 2.46% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $86 | $0 | $86 | 5.16% |
| JEFFREY BILOT3 | 25 W 8TH ST STE 300 HOLLAND, MI 49423 | PRIORITY HEALTH INSURANCE COMPANY | $47 | $0 | $47 | 2.82% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | PRIORITY HEALTH | 128 | $862K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $62K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $53K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.