| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 1.46% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 101 WEST BIG BEAVER ROAD SUITE 115 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.09% |
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.10% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 101 WEST BIG BEAVER ROAD SUITE 115 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $476 | $476 | 0.06% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH A AND ASSOCIATES INC | 1450 WEST LONG LAKE ROAD SUITE 250 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 6.20% |
| 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 | 2.46% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.81% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 457 | $3.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 264 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 495 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $196K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $196K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $196K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 303 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
No prospect flags tripped on this filing.