| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROME P CIARAMITARO3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | $0 | $49K | 1.63% |
| LAURIE A SALL3 | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | $0 | $47K | 1.54% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $11K | $11K | 0.35% |
| LAURIE A SALL3 | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 483341569 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 1.50% |
| JEROME P CIARAMITARO3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 1.50% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR SUITE 410 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.14% |
| CORNERSTONE BENEFIT PLANS INC3 Filed as: CORNERSTONE BENEFIT PLANS, INC | 2701 TROY CENTER DRIVE STE 410 TROY, MI 48084 | DEARBORN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.56% |
| LAURIE A SALL3 | 32000 NORTHWESTERN HWY #200 FARMINGTON HILLS, MI 48334 | DEARBORN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.56% |
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 | 393 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 393 | 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 | 692 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 692 | $3.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 692 | $3.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 396 | $314K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 396 | $314K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 396 | $314K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 692 | $4.1M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 396 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.