| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAM | $33K | — | $33K | 1.51% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAM | $13K | — | $13K | 0.61% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAM | $423 | — | $423 | 0.02% |
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.25% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.60% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $62 | $62 | 0.01% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES | 1450 WEST LONG LAKE ROAD SUITE 250 TROY, MI 48098 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.07% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH A AND ASSOCIATES INC | 1450 WEST LONG ROAD SUITE 250 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 6.79% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48097 | EYEMED VISION CARE | $3K | — | $3K | 9.04% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAM | 394 | $2.8M |
| Dental | UNION SECURITY INSURANCE COMPANY | 226 | $177K |
| Vision | EYEMED VISION CARE | 354 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $168K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $168K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 238 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.