Form 5500 · Employee benefit plan · GRAND RAPIDS, MI
OLOR, LLC
The filing calls this plan OLOR, LLC GROUP INSURANCE PLAN.
OLOR, LLC of GRAND RAPIDS, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ROBERT A. HEINTZ. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 6 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-3835448 · plan 505 · plan year 2025, filed Nov 24, 2025
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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: prepaid legal, death benefits, other welfare.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 181 people.
Reported premium across the insured contracts is $1,610,424, with $67,207 in disclosed broker commissions — about 4.2% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
ROBERT A. HEINTZ is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, UNITED OF OMAHA LIFE INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN and BLUE CROSS BLUE SHIELD OF MICHIGAN. BLUE CARE NETWORK OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 181 | Jun 1, 2025 | $1,344,440 | $43,093 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 177 | Jun 1, 2025 | $105,165 | $12,785 |
| DELTA DENTAL OF MICHIGAN | Dental | 229 | Jun 1, 2025 | $84,464 | $4,242 |
| ASSURITY LIFE INSURANCE COMPANY | — | 61 | Jun 1, 2025 | $10,158 | $3,642 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 221 | Jun 1, 2025 | $14,753 | $1,480 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 3 | Jun 1, 2025 | $45,252 | $1,346 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 20 | Jun 1, 2025 | $6,192 | $619 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 417868. For the contract year on this filing, the carrier reported $1,344,440 in premium earned and $1,101,527 in claims incurred. Dividing one by the other gives 82%.
DELTA DENTAL OF MICHIGAN, contract 10614. For the contract year on this filing, the carrier reported $84,464 in premium earned and $74,587 in claims incurred. Dividing one by the other gives 88%.
- BLUE CARE NETWORK OF MICHIGAN, contract 417868 reported $328,636 in retention.
- DELTA DENTAL OF MICHIGAN, contract 10614 reported $13,463 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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