| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BILOT3 | 25 W 8TH STREET SUITE 300 12 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 3.77% |
| JEFF BILOT3 | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 4.35% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 W 8TH STREET SUITE 300 HOLLAND, MI 49423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 WEST 8TH STREET SUITE 300 HOLLAND, MI 49423 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $899 | $0 | $899 | 12.53% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | 25 WEST 8TH STREET SUITE 200 HOLLAND, MI 49423 | EYEMED VISION CARE | $629 | $0 | $629 | 8.83% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 169 | $473K |
| Dental | DELTA DENTAL OF MICHIGAN | 165 | $51K |
| Vision | EYEMED VISION CARE | 121 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 169 | $473K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.