| 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 | $38K | — | $38K | 4.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $22K | — | $22K | 3.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $27K | — | $27K | 4.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 495448224 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 5.08% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $17K | — | $17K | 4.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| WALLY J. MARTYNIEK3 Filed as: WALLY MARTYNIEK | 721 THREE MILE RD NW,STE 150 GRAND RAPIDS, MI 49544 | PRIORITY HEALTH | $600 | — | $600 | 0.76% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD GRAND RAPIDS, MI 495448214 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 1.51% |
| WALLY J. MARTYNIEK3 | 721 THREE MILE RD STE 150 GRAND RAPIDS, MI 495448214 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 3.18% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS, LLC | 721 3 MILE RD NW #150 GRAND RAPIDS, MI 495448214 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 8.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD GRAND RAPIDS, MI 49544 | EYEMED VISION CARE | $1K | — | $1K | 5.18% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS | 721 THREE MILE ROAD SUITE 150 GRAND RAPIDS, MI 49544 | EYEMED VISION CARE | $1K | — | $1K | 4.53% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM BENEFITS COMPANY | 721 THREE MILE RD NW #150 GRAND RAPIDS, MI 49544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SPECTRUM BENEFITS LLC3 | 721 THREE MILE ROAD NW STE 150 GRAND RAPIDS, MI 495448214 | DELTA DENTAL OF MICHIGAN | $894 | — | $894 | 10.00% |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 4 carriers) | PRIORITY HEALTH | 171 | $4.7M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 105 | $44K |
| Vision | EYEMED VISION CARE | 453 | $26K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $104K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $18K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $68K |
| Prescription drug(7 contracts, 2 carriers) | PRIORITY HEALTH | 165 | $4.1M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
No prospect flags tripped on this filing.