| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW SCHEIDT3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 3.67% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.56% |
| ANDREW SCHEIDT3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 3.76% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.14% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 6.91% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | PO BOX 638720 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.27% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 4.79% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 24 FRANK LLOYD WRIGHT DRIVE SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $689 | $689 | 1.30% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $829 | $0 | $829 | 10.91% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 74 | $830K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 180 | $63K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 159 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 74 | $830K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.