| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | $0 | $26K | 1.20% |
| BRADLEY J. GARDNER3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 0.38% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $988 | $988 | 0.05% |
| JOSEPH J JR CURTIS3 Filed as: JOSEPH J. CURTIS JR. | 100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 1.25% |
| BRADLEY J. GARDNER3 | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $723 | $0 | $723 | 0.43% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $116 | $116 | 0.07% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
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 | 143 | 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) | 143 | 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 | 341 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 341 | $2.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 337 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.