| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BILOT3 | 25 W 8TH STREET STE 300 12 HOLLAND, MI 49423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 3.58% |
| EDIFY NORTH, LLC3 | PO BOX 2039 HOLLAND, MI 49422 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.30% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | PO BOX 2039 HOLLAND, MI 49422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.92% |
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $156 | — | $156 | 1.08% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | PO BOX 2039 HOLLAND, MI 49422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.94% |
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $118 | — | $118 | 1.05% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH | 25 W. 8TH STREET #200 HOLLAND, MI 49423 | EYEMED | $1K | — | $1K | 10.75% |
| EDIFY NORTH, LLC3 Filed as: EDIFY NORTH LLC | PO BOX 2039 HOLLAND, MI 49422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $890 | — | $890 | 11.67% |
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59 | — | $59 | 0.77% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 212 | $534K |
| Dental | DELTA DENTAL OF MICHIGAN | 194 | $60K |
| Vision | EYEMED | 148 | $11K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $8K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 34 | $14K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 212 | $534K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
No prospect flags tripped on this filing.