| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $54K | $0 | $54K | 4.85% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 0.81% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $567 | $567 | 0.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | $15K | $964 | $16K | 15.96% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $6K | $168 | $7K | 9.44% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.20% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 4.35% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $342 | $0 | $342 | 0.86% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $15 | $15 | 0.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.95% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $100 | $0 | $100 | 2.18% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 194 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 224 | $69K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 228 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 106 | $101K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 106 | $101K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 106 | $101K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 194 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 106 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.