| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET, SUITE 300 HOLLAND, MI 49423 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $22K | $27K | 1.58% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $23K | $25K | 1.49% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET, SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.55% |
| ADVANTAGE BENEFITS GROUP | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 53.29% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET, SUITE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.38% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 505 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 505 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 505 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $53K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 505 | $1.7M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.