Filings through .
History & trajectory Charts need 2 or more years. This plan has 2 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingNo prospect flags tripped on this filing.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,144 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,650 | $6.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,650 | $4.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,650 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $749K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $749K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,650 | $6.7M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 836 | $309K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR CORPORATION THIRD-PARTY ADMINSTRATION | Contract Administrator Service code 13 | 1575 ARBORETUM DR. SE, SUITE 400 GRAND RAPIDS, MI 49546 | $374K |
| JEROME P. CIARAMITARO AGENT | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Other commissions Service code 22 | 2701 TROY CENTER DR. SUITE 410 TROY, MI 480848084 | $162K |
| CORNERSTONE BENEFIT PLAN AGENT | Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 2701 TROY CENTER DR. STE. 410 TROY, MI 480848084 | $41K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
2 filings · 2024 to 2025