| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROME P CIARAMITARO3 | 525 E BIG BEAVER RD, STE 250 TROY, MI 480831363 | BLUE CARE NETWORK OF MI | $23K | $0 | $23K | 2.89% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY, STE 100 FARMINGTON HILLS, MI 483343803 | BLUE CARE NETWORK OF MI | $0 | $10 | $10 | 0.00% |
| JEROME P CIARAMITARO3 | 525 E BIG BEAVER RD, STE 250 TROY, MI 480831363 | BLUE CROSS BLUE SHIELD OF MI | $4K | — | $4K | 2.64% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY, STE 100 FARMINGTON HILLS, MI 483343803 | BLUE CROSS BLUE SHIELD OF MI | — | $2 | $2 | 0.00% |
| ROBERT MOGLIA3 | 1263 W SQUARE LAKE RD BLOOMFIELD, MI 483023520 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| US HEALTH AND LIFE INSURANCE CO EIN 06-1341715 ADMINISTRATOR | Other fees; Participant communication; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 8220 IRVING RD STERLING HEIGHTS, MI 48312 | $108K |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 192 | $918K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 192 | $918K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.