| 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 | $32K | — | $32K | 1.21% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (TROY) | 2401 W BIG BEAVER RD S400 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $149 | $149 | 0.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.25% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 17.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | EYEMED VISION CARE | $6K | — | $6K | 11.76% |
| NAPCO INC3 Filed as: NAPCO INC DBA PAPPAS FINANCIAL | 30301 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $414 | — | $414 | 0.88% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | EYEMED VISION CARE | $35 | — | $35 | 8.73% |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 682 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 708 | $133K |
| Vision(2 contracts) | EYEMED VISION CARE | 593 | $47K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 400 | $100K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 400 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 682 | $2.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 400 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.