| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 1.53% |
| JEFFREY BILOT3 | 25 W 8TH STREET STE 300 12 HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 1.42% |
| EDIFY NORTH, LLC3 | PO BOX 2039 HOLLAND, MI 49422 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.63% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.03% |
| EDIFY NORTH, LLC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.27% |
| ACRISURE LLC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.16% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | PO BOX 2039 HOLLAND, MI 49422 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $500 | $500 | 3.83% |
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $335 | — | $335 | 2.56% |
| JEFFREY BILOT3 | 25 W 8TH STREET STE 300 12 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $315 | — | $315 | 2.41% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 267 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 263 | $100K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 227 | $13K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 246 | $52K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 246 | $52K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 267 | $1.2M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 1,100 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.