Form 5500 · Employee benefit plan · BRUCE TOWNSHIP, MI
BLUE WATER TRUCKING, INC.
The filing calls this plan BLUE WATER TRUCKING, INC. EMPLOYEE BENEFITS PLAN.
BLUE WATER TRUCKING, INC. of BRUCE TOWNSHIP, MI insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JOHN DILORENZO. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2250213 · plan 501 · plan year 2025, filed May 13, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, dental, vision and life; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 224 people.
Reported premium across the insured contracts is $1,901,375, with $62,955 in disclosed broker commissions — about 3.3% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
JOHN DILORENZO is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CARE NETWORK OF MICHIGAN and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 224 | Nov 1, 2025 | $1,726,760 | $51,556 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life | 146 | Nov 1, 2025 | $174,615 | $11,399 |
Premium and claims on this contract
BLUE CARE NETWORK OF MICHIGAN, contract 102120. For the contract year on this filing, the carrier reported $1,726,760 in premium earned and $2,172,503 in claims incurred. Dividing one by the other gives 126%.
- BLUE CARE NETWORK OF MICHIGAN, contract 102120 reported $424,585 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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