| 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 | $44K | — | $44K | 1.85% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 481060541 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR STE 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.91% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 17.50% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 480843327 | EYEMED VISION CARE | $4K | — | $4K | 17.21% |
| HYLANT GROUP INC3 Filed as: HYLANT | 2401 W. BIG BEAVER 400 TROY, MI 48084 | ULLIANCE | $653 | — | $653 | 9.72% |
| HYLANT GROUP INC3 Filed as: HYLANT | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED VISION CARE | $58 | — | $58 | 9.62% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | 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 | 677 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 724 | $167K |
| Vision(2 contracts) | EYEMED VISION CARE | 602 | $26K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 404 | $88K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 404 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 677 | $2.4M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 436 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.