| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER ROAD S400 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 4.58% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 481060541 | BLUE CARE NETWORK OF MICHIGAN | — | $611 | $611 | 0.17% |
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER RD S400 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $14K | $14K | 4.61% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 481060541 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $448 | $448 | 0.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER ROAD STE 400 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $549 | $3K | 5.74% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.75% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE ASSURANCE OF CANADA | $3K | $91 | $3K | 10.79% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE OF CANADA | $0 | $712 | $712 | 2.36% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED VISION CARE | $705 | — | $705 | 9.26% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 68 | $653K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $55K |
| Vision | EYEMED VISION CARE | 148 | $8K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 119 | $30K |
| Short-term disability | SUN LIFE ASSURANCE OF CANADA | 119 | $30K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 119 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 68 | $653K |
| Other | SUN LIFE ASSURANCE OF CANADA | 119 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.