| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 2.95% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | — | $695 | $695 | 0.09% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 3.27% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $87 | $87 | 0.06% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 7.76% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.24% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.75% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $91 | — | $91 | 0.50% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $943K |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $70K |
| Vision | VISION SERVICE PLAN | 104 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $943K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.