| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $57K | $0 | $57K | 1.73% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CARE NETWORK OF MICHIGAN | $33K | $0 | $33K | 0.98% |
| LOCKTON COMPANIES, LLC3 | 600 WOODWARD AVENUE, SUITE 1900 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $9K | $9K | 0.28% |
| REBEKAH VANBEEK3 Filed as: REBEKAH LYNN VANBEEK | UNKNOWN GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 0.25% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $12K | $32K | 13.93% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.32% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.18% |
| BRUCE J. WALDECKER3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 1.18% |
| REBEKAH VANBEEK3 Filed as: REBEKAH LYNN VANBEEK | UNKNOWN GRAND RAPIDS, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $562 | $0 | $562 | 0.33% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 502 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 526 | $170K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 526 | $170K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $228K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $228K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 502 | $3.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.