| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH CURTIS JR | 2401 W. BIG BEAVER STE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 3.83% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC-TROY | 2401 W BIG BEAVER RD TROY, MI 48084 | HUMANA | $1K | — | $1K | 1.28% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC-TROY | 2401 W BIG BEAVER RAD STE 400 TROY, MI 48084 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.29% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 10.05% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | THE HARTFORD | $8K | — | $8K | 15.00% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J CURTIS JR | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $126 | — | $126 | 0.70% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.06% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $402 | — | $402 | 3.93% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $875 | — | $875 | 9.93% |
| NAPCO INC3 | 30301 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 11.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 3.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC-TROY | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | HUMANA BENEFIT PLAN OF ILLINOIS | $50 | — | $50 | 1.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $441 | — | $441 | 11.33% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142 | — | $142 | 3.65% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W BIG BEAVER TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $421 | — | $421 | 11.16% |
| NAPCO INC3 | 30301 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 48334 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144 | — | $144 | 3.82% |
| NAPCO INC3 | 30301 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $380 | $21 | $401 | 16.67% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $69 | $69 | 2.87% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CARE NETWORK OF MICHIGAN | 201 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 225 | $70K |
| Vision | EYEMED | 225 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 115 | $58K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 115 | $64K |
| Long-term disability(3 contracts, 3 carriers) | THE HARTFORD | 115 | $63K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CARE NETWORK OF MICHIGAN | 201 | $1.1M |
| Other(3 contracts, 2 carriers) | THE HARTFORD | 115 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.