| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIELLO, JOSEPH3 | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | PRIORITY HEALTH | $48K | — | $48K | 2.52% |
| AIELLO, JOSEPH3 | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $16K | — | $16K | 2.51% |
| AIELLO, JOSEPH3 | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 2.51% |
| AIELLO, JOSEPH3 | 1450 WEST LONG LAKE SUITE 250 TROY, MI 48098 | PRIORITY HEALTH INSURANCE COMPANY | $7K | — | $7K | 2.51% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO AND ASSOCIATES INC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO AND ASSOCIATES INC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.78% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.26% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $824 | — | $824 | 2.34% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 47.19% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $2K | $2K | $4K | 14.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $183 | — | $183 | 0.70% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $12K | $910 | $13K | 53.86% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $2K | $2K | $4K | 15.98% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 3.51% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $2K | $635 | $3K | 17.27% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $375 | — | $375 | 2.32% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $227 | — | $227 | 1.41% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $5K | $464 | $6K | 52.75% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $929 | — | $929 | 8.53% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $106 | — | $106 | 0.97% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $5K | $389 | $6K | 61.23% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $918 | — | $918 | 10.05% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 27204 | UNUM INSURANCE COMPANY | $905 | $267 | $1K | 18.75% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $160 | — | $160 | 2.56% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $88 | — | $88 | 1.41% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $3K | $211 | $3K | 61.22% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $498 | — | $498 | 10.05% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $472 | — | $472 | 12.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $1K | $121 | $1K | 52.78% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $241 | — | $241 | 8.54% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $31 | — | $31 | 1.10% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $124 | — | $124 | 10.03% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $172 | $51 | $223 | 18.82% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | UNUM INSURANCE COMPANY | $30 | — | $30 | 2.53% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $24 | — | $24 | 2.03% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MA 48083 | STARMOUNT LIFE INSURANCE COMPANY | $63 | — | $63 | 10.06% |
| JOSEPH AIELLO & ASSOCIATES INC3 | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $16 | — | $16 | 12.12% |
| JOSEPH AIELLO & ASSOCIATES INC3 Filed as: JOSEPH AIELLO & ASSOCATES INC | 340 EAST BIG BEAVER ROAD SUITE 160 TROY, MI 48083 | STARMOUNT LIFE INSURANCE COMPANY | $13 | — | $13 | 12.04% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | PRIORITY HEALTH | 426 | $3.1M |
| Dental(5 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 208 | $245K |
| Vision(5 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 172 | $45K |
| Life insurance(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $288K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $184K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $184K |
| Other(15 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.