| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 2.39% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 2.52% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 5.24% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.78% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $18K | — | $18K | 3.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 5.24% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE RD, STE 150 GRAND RAPIDS, MI 49544 | STARMOUNT LIFE INSURANCE COMPANY | $715 | — | $715 | 0.72% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD, SUITE 150 GRAND RAPIDS, MI 495448214 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $266 | $4K | 5.62% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $2K | — | $2K | 2.45% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 4.80% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $568 | — | $568 | 1.01% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 495448224 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.62% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 495448214 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $379 | $13 | $392 | 2.59% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 495448224 | VISION SERVICE PLAN | $727 | — | $727 | 7.69% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 495448224 | VISION SERVICE PLAN | $443 | — | $443 | 4.73% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW GRAND RAPIDS, MI 49544 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $571 | — | $571 | 15.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Other fees; Claims processing; Contract Administrator; Consulting (general); Float revenue; Direct payment from the plan Service code 12 | — | $158K |
| GROTENHUIS AGENT/BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | PO BOX 140167 GRAND RAPIDS, MI 495140167 | $0 |
| WALLY J. MARTYNIEK AGENT/BROKER | Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees Service code 22 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 495448214 | $0 |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 252 | $4.9M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 199 | $103K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 266 | $23K |
| Life insurance(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $254K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $122K |
| Long-term disability(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $222K |
| Prescription drug(11 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 252 | $4.8M |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.