| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLY J. MARTYNIEK3 Filed as: WALLY J. MARTYNEK | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 495448214 | BLUE CARE NETWORK OF MICHIGAN | $56K | $3K | $60K | 4.54% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD, STE 150 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $32K | $567 | $32K | 3.74% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $25K | — | $25K | 3.00% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 495448214 | BLUE CARE NETWORK OF MICHIGAN | $22K | $755 | $23K | 3.58% |
| TGG SOLUTIONS3 | P.O. BOX 140167 GRAND RAPIDS, MI 495140167 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.61% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $639 | $16K | 4.35% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE ROAD STE 150 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $77 | $8K | 5.60% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $2K | — | $2K | 2.21% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.53% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD NW, STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $650 | — | $650 | 0.94% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAN RAPIDS, MI 49544 | DEARBORN LIFE INSURANCE COMPANY | $883 | — | $883 | 4.67% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD GRAND RAPIDS, MI 49544 | EYEMED VISION CARE | $430 | — | $430 | 2.32% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 9.62% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE ROAD NW, STE 150 GRAND RAPIDS, MI 495448224 | VISION SERVICE PLAN | $189 | — | $189 | 4.99% |
| SPECTRUM BENEFITS LLC3 | 721 3 MILE ROAD NW, STE 150 GRAND RAPIDS, MI 49544 | METROPOLITAN LIFE INSURANCE COMPANY | $154 | — | $154 | 13.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Float revenue; Insurance services; Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $137K |
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 | 883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 114 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 434 | $5.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 434 | $376K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 271 | $22K |
| Life insurance(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 398 | $191K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 398 | $88K |
| Long-term disability(5 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 398 | $156K |
| Prescription drug(9 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 434 | $5.0M |
| Other(4 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 398 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.