| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CARE NETWORK | $46K | — | $46K | 4.56% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK | $11K | — | $11K | 1.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CARE NETWORK | — | $1K | $1K | 0.11% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | $13K | $837 | $14K | 15.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC - TROY | 2401 W. BIG BEAVER 400 TROY, MI 48084 | HUMANA | $750 | — | $750 | 1.03% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE BRENTWOOD, TN 37027 | DELTA DENTAL | $8K | — | $8K | 11.89% |
| JOSEPH A KING3 Filed as: JOSEPH J CURTIS | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.26% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $607 | — | $607 | 0.98% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $29 | $29 | 0.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $1K | — | $1K | 11.79% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK | 188 | $1.1M |
| Dental | DELTA DENTAL | 215 | $70K |
| Vision | EYEMED | 206 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 111 | $88K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $88K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $88K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK | 188 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 111 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.