| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 2.98% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $31K | $511 | $31K | 3.87% |
| TGG SOLUTIONS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 0.96% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $23K | — | $23K | 3.00% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $34K | $492 | $34K | 4.55% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.13% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | $108 | $36K | 23.06% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $2K | — | $2K | 2.36% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, SUITE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $600 | — | $600 | 1.00% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.83% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE RD, STE 150 GRAND RAPIDS, MI 49544 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.67% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1104 FULLER/1115 TAYLOR AVE #112 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $54 | — | $54 | 0.39% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW GRAND RAPIDS, MI 49544 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $592 | $2K | 20.11% |
| SPECTRUM BENEFITS LLC3 | 721 3 MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 14.10% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, SUITE 150 GRAND RAPIDS, MI 495448224 | VISION SERVICE PLAN | $719 | — | $719 | 7.67% |
| SPECTRUM BENEFITS LLC3 | 721 3 MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | METROPOLITAN LIFE INSURANCE COMPANY | $84 | — | $84 | 9.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Insurance services; Consulting (general) Service code 12 | — | $148K |
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 | 714 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 197 | $3.6M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 249 | $121K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 67 | $23K |
| Life insurance(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $272K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $125K |
| Long-term disability(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $239K |
| Prescription drug(7 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 197 | $3.4M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.