| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49423 | UNITEDHEALTHCARE INSURANCE COMPANY | $434 | $10K | $11K | 4.08% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET STE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.00% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET STE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.56% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET STE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.25% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $264K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $264K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $264K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $291K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $75K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.