| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 | 2401 W. BIG BEAVER 400 TROY, MI 48084 | BLUE CARE NETWORK | $20K | — | $20K | 4.86% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK | $5K | — | $5K | 1.12% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CARE NETWORK | — | $300 | $300 | 0.07% |
| JOSEPH J JR CURTIS3 | 2401 W. BIG BEAVER 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 4.50% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.04% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $192 | $192 | 0.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER 400 TROY, MI 48084 | MICHIGAN MANUFACTURERS ASSN | $3K | $4K | $7K | 11.41% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | QUICK-SAV FOOD STORES | $4K | — | $4K | 10.40% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 W. BIG BEAVER 400 TROY, MI 48084 | EYEMED | $739 | — | $739 | 9.95% |
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. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 81 | $708K |
| Dental | MICHIGAN MANUFACTURERS ASSN | 236 | $60K |
| Vision | EYEMED | 159 | $7K |
| Life insurance | QUICK-SAV FOOD STORES | 111 | $37K |
| Short-term disability | QUICK-SAV FOOD STORES | 111 | $37K |
| Long-term disability | QUICK-SAV FOOD STORES | 111 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 81 | $708K |
| Other | QUICK-SAV FOOD STORES | 111 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.