| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW,STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $32K | — | $32K | 3.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $34K | — | $34K | 4.00% |
| STEVEN MILLER3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $22K | — | $22K | 3.02% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $8K | — | $8K | 1.10% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $22K | — | $22K | 3.00% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 3.47% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - MICHIGAN | 2340 S RIVER RD STE 16G DES PLAINES, IL 600183212 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.94% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 495448224 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.88% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $13K | — | $13K | 4.06% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW,STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $500 | — | $500 | 0.82% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP,INC. | 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 5.94% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 495448214 | DELTA DENTAL OF MICHIGAN | $658 | — | $658 | 1.83% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD GRAND RAPIDS, MI 49544 | EYEMED VISION CARE | $2K | — | $2K | 8.58% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE | $431 | — | $431 | 1.73% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $360 | $2K | 13.46% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $628 | — | $628 | 3.62% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $301 | $2K | 13.92% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE ROAD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $434 | — | $434 | 3.53% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $961 | $223 | $1K | 13.94% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | — | $313 | 3.68% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 495448214 | DELTA DENTAL OF MICHIGAN | $811 | — | $811 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance services; Other fees; Contract Administrator; Float revenue Service code 12 | — | $5K |
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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | PRIORITY HEALTH | 177 | $4.4M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 120 | $131K |
| Vision | EYEMED VISION CARE | 479 | $25K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $106K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $66K |
| Prescription drug(7 contracts, 2 carriers) | PRIORITY HEALTH | 177 | $3.9M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.