| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROME P CIARAMITARO3 Filed as: JEROME P. CIARAMITARO | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | — | $47K | 3.65% |
| JOHN THOMAS FRYE JR3 Filed as: JOHN W. RENFROE | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.61% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.36% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.47% |
| CONSOLIDATED GROUP RESOURCES, INC.3 | 10 WEST SQUARE LAKE ROAD, SUITE 303 BLOOMFIELD HILLS, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE, SUITE 200 GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $594 | $5K | 2.02% |
| JEROME P CIARAMITARO3 Filed as: JEROME P. CIARAMITARO | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 4.15% |
| JOHN THOMAS FRYE JR3 Filed as: JOHN W. RENFROE | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $783 | — | $783 | 0.76% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $380 | $380 | 0.37% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS | 2701 TROY CENTER DRIVE, SUITE 410 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $546 | — | $546 | 4.97% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS, INC. | 525 E. BIG BEAVER ROAD SUITE 250 TROY, MI 48083 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $292 | — | $292 | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $79 | — | $79 | 0.72% |
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 | 123 | 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) | 123 | 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 | 201 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $224K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 193 | $11K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $224K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $224K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $224K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 201 | $1.4M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.