| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 2.08% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 0.19% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $242 | $0 | $242 | 0.28% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $127 | $0 | $127 | 0.15% |
| MICHAEL S HILL3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $641 | $13 | $654 | 4.59% |
| KURT B. SWARDENSKI3 Filed as: KURT B SWAARDENSKI | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38 | $0 | $38 | 0.27% |
| EDIFY NORTH, LLC3 | 235 CENTRAL AVENUE HOLLAND, MI 49423 | AETNA LIFE INSURANCE COMPANY | $2K | $67 | $2K | 17.13% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $178 | $0 | $178 | 1.26% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.65% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | $24 | $143 | 1.14% |
| EDIFY NORTH, LLC3 | 25 WEST 8TH STREET SUITE 200 HOLLAND, MI 49423 | EYEMED VISION CARE | $1K | $0 | $1K | 9.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $112 | $0 | $112 | 0.99% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 300 | $944K |
| Dental | DELTA DENTAL OF MICHIGAN | 311 | $87K |
| Vision | EYEMED VISION CARE | 306 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $13K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 131 | $14K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 131 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 300 | $944K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.