| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDIFY NORTH, LLC3 | PO BOX 2039 HOLLAND, MI 49422 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $161K | $173K | 4.21% |
| EDIFY NORTH, LLC3 | PO BOX 2039 HOLLAND, MI 49422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 11.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $546 | $0 | $546 | 0.28% |
| WILLIAM KELLY3 Filed as: WILLIAM ANTHONY KELLY | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | $0 | $53 | 0.03% |
| EDIFY NORTH, LLC3 | PO BOX 2039 HOLLAND, MI 49422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 13.19% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $0 | $219 | 1.83% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 960 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 960 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 960 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $210K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $198K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $198K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 960 | $4.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
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.