| 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 | $29K | — | $29K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA MCGRAW | 3331 W BIG BEAVER RD S200 S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.15% |
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 1.42% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 6.70% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $14K | 19.57% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $10K | 19.53% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.53% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.48% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DRIVE PO BOX 541 STE J4100 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $646 | $2K | 14.34% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 498 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,109 | $152K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 498 | $2.8M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 279 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.