| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $33K | $0 | $33K | 2.25% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.09% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 4.91% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.08% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED | $2K | — | $2K | 9.90% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 313 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 300 | $92K |
| Vision | EYEMED | 215 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $87K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 313 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.