| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 2.87% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.14% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 2.83% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $380 | $380 | 0.10% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER-VANDYK INSURANCE | 2780 44TH STREET SW WYOMING, MI 49519 | DEARBORN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.86% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $388K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 170 | $388K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 176 | $127K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $127K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $127K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.4M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 176 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.