| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY R BILOT3 | 202 W CENTER ST UNIT 1 DOUGLAS, MI 49406 | AETNA HEALTH, INC. | $122K | $0 | $122K | 3.89% |
| JEFFREY R BILOT3 | 202 W CENTER ST UNIT 1 DOUGLAS, MI 49406 | AETNA LIFE INSURANCE CO. | $9K | $0 | $9K | 4.74% |
| 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 | $5K | $0 | $5K | 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 | $2K | $0 | $2K | 8.77% |
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 | 549 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 715 | $3.1M |
| Dental | AETNA LIFE INSURANCE CO. | 654 | $191K |
| Vision | AETNA LIFE INSURANCE CO. | 654 | $191K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $76K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.