| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURIE A SALL3 | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $69K | $0 | $69K | 2.78% |
| JEROME P CIARAMITARO3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | $0 | $36K | 1.44% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $10K | $10K | 0.39% |
| LAURIE A SALL3 | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | BLUE CARE NETWORK OF MICHIGAN | $25K | $0 | $25K | 2.77% |
| JEROME P CIARAMITARO3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $13K | $0 | $13K | 1.46% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $4K | $4K | 0.46% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | UNITED OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.93% |
| LAURIE A SALL3 Filed as: LAURIE ANN SALL | 24205 BINGHAM CT BINGHAM FARMS, MI 48025 | UNITED OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.93% |
| LAURIE A SALL3 Filed as: LAURIE A SALL & ASSOCIATES | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $0 | $1K | $1K | 4.86% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR. SUITE 410 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | $0 | $1K | 4.46% |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 364 | $3.4M |
| Dental | UNITED OMAHA LIFE INSURANCE COMPANY | 372 | $397K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 613 | $26K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 372 | $397K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 372 | $397K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 372 | $397K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 364 | $3.4M |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 372 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.