| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BILOT3 | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $44K | $0 | $44K | 0.91% |
| MICHAEL HILL3 | 45 COLDBROOK STREET NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $31K | $0 | $31K | 0.63% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $15K | $0 | $15K | 4.93% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 3.66% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $780 | $14K | 21.21% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $263 | $263 | 0.98% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 WEST 8TH STREET SUITE 200 HOLLAND, MI 49423 | EYEMED VISION CARE | $3K | $0 | $3K | 11.12% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $102 | $1K | 11.96% |
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 | 568 | 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) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 1,207 | $4.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 972 | $306K |
| Vision | EYEMED VISION CARE | 749 | $27K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 581 | $162K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 332 | $91K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 581 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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."
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.