Blue Water Trucking, Inc.
Updated Filing received by DOL
Blue Water Trucking, Inc., a transportation — truck & rail employer in Bruce Township, Michigan, reported 150 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.7M in insurance premiums across 2 contracts and $72,583 in broker commissions and fees, 3.1% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on May 13, 2026, before the deadline.
Who was paid on Blue Water Trucking, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Blue Water Trucking, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| John Dilorenzo · Washington Township, MI | $51,556 | $0 | $51,556 | 1 |
| Michigan Planners, Inc. · Washington Township, MI | $11,399 | $9,628 | $21,027 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Care Network of Michiganhealth, prescription drug, HMO | 224 | $1.7M | $53,014 | 3.1% |
| Guardiandental, vision, life | 146 | — | $19,569 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Blue Water Trucking, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $7,709 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 149 | 150 | +0.7% |
| Premiums filed | $1,368,232 | $1,726,760 | +26.2% |
| Broker commissions + fees | $62,412 | $72,583 | +16.3% |
| Commission rate | 3.2% | 3.1% | −0.1 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Blue Water Trucking, Inc. Employee Benefits Plan#501 · insurance | October 31, 2025 | May 13, 2026 | before deadline | 150 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Blue Water Trucking, Inc. pay in health insurance broker commissions in 2024?
Blue Water Trucking, Inc.'s 2024 Form 5500 reports $72,583 in broker commissions and fees across 2 insurance contracts ($62,955 in commissions, $9,628 in fees), with John Dilorenzo receiving the largest share.
Is Blue Water Trucking, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Care Network of Michigan.
How does Blue Water Trucking, Inc.'s broker compensation compare with similar employers?
Blue Water Trucking, Inc. paid 3.1% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Michigan is 3.2%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.