| 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 | $41K | — | $41K | 1.47% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC (ANN ARBOR) | PO BOX 541 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.17% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DR ST 230 BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.15% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 22.70% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $4K | — | $4K | 9.96% |
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 22.83% |
| HYLANT GROUP INC3 Filed as: HYLANT, JOSEPH J CURTIS JR. | 2401 BIG BEAVER ROAD SUITE 400 TROY, MI 48084 | ULLIANCE, INC. | $1K | — | $1K | 10.42% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 2401 WEST BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $53 | — | $53 | 11.67% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 727 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 773 | $197K |
| Vision(2 contracts) | EYEMED | 609 | $45K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 434 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 727 | $2.8M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 467 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.