| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J JR CURTIS3 | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 3.62% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.05% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI, TROBEC, CHANDLER, SCHURR | 1175 W LONG LAKE ROAD #200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.28% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 130 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 12.45% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.19% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI, TROBEC, CHANDLER, SCHURR | 1175 W LONG LAKE ROAD #200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $277 | $277 | 0.15% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $6 | $6 | 0.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVE TOLEDO, OH 43603 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 106 | $678K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $194K |
| Vision | VISION SERVICE PLAN | 139 | $31K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $194K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $194K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 106 | $678K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.