| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BILOT3 | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | PRIORITY HEALTH | $55K | $0 | $55K | 1.10% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $19K | $0 | $19K | 0.38% |
| JEFFREY BILOT3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $12K | $0 | $12K | 3.40% |
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 1.55% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.21% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| EDIFY LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 17.76% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.24% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.09% |
| COLDBROOK INSURANCE GROUP3 | 500 CASCADE ROAD STE 160 GRAND RAPIDS, MI 49546 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $642 | $0 | $642 | 1.48% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $337 | $0 | $337 | 0.78% |
| JESSICA WALTERS3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | LOUIS PADNOS IRON AND METAL COMPANY (9A1077) | $0 | $0 | $0 | 0.00% |
| EDIFY LLC3 | 25 WEST 8TH STREET STE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $844 | $0 | $844 | 8.10% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $302 | $0 | $302 | 2.90% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 1,178 | $5.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 939 | $356K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 709 | $43K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 619 | $120K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 297 | $77K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 619 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.