| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HILL3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $12K | $2K | $14K | 4.44% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.50% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 494234950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$35 | $0 | -$35 | -0.03% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 21.79% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$792 | $0 | -$792 | -1.79% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $3K | — | $3K | 10.00% |
| COLDBROOK INSURANCE GROUP3 | 500 CASCADE RD. #160 GRAND RAPIDS, MI 49546 | EYEMED VISION CARE | $300 | — | $300 | 1.00% |
| COLDBROOK INSURANCE GROUP3 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 495034950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.73% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$3 | $0 | -$3 | -0.02% |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 897 | $314K |
| Vision | EYEMED VISION CARE | 727 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 604 | $118K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $74K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 431 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.