| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 1.45% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.12% |
| JOSEPH E AIELLO3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 1.03% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.08% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO AND ASSOCIATES INC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 4.77% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO AND ASSOCIATES INC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.29% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.59% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCIATES | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $654 | — | $654 | 1.14% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNION SECURITY INSURANCE COMPANY | $424 | — | $424 | 1.00% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 491 | $3.5M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 356 | $260K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 620 | $57K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $296K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $296K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $296K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 491 | $3.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.