| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 2.32% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $82 | $82 | 0.01% |
| JOSEPH A KING3 Filed as: JOSEPH CURTIS | 2401 W BIG BEAVER ROAD #S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.38% |
| JOSEPH A KING3 Filed as: JOSEPH CURTIS | 2401 W BIG BEAVER RD #S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 2.50% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 7.25% |
| JOSEPH A KING3 Filed as: JOSEPH CURTIS | 2401 W BIG BEAVER ROAD #S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 2.58% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR PO BOX 541 SUITE J4100 ANN ARBOR, MI 48106 | PRUDENTIAL | $3K | — | $3K | 7.50% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $39 | $39 | 0.09% |
| JOSEPH A KING3 Filed as: JOSEPH CURTIS | 2401 W BIG BEAVER RD #S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2 | — | $2 | 4.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 101 | $93K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 101 | $93K |
| Life insurance | PRUDENTIAL | 55 | $42K |
| Prescription drug(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $1.3M |
| Other | PRUDENTIAL | 55 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.