| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEROME P CIARAMITARO3 Filed as: JEROME P. CIARAMITARO | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $221K | — | $221K | 3.97% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.06% |
| JEROME P CIARAMITARO3 Filed as: JEROME P. CIARAMITARO | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $82K | — | $82K | 4.05% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $561 | $561 | 0.03% |
| CORNERSTONE BENEFIT PLANS INC3 | 2701 TROY CENTER DR STE 410 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.36% |
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 | 932 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 932 | 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 | 1,872 | $7.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,872 | $5.6M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,872 | $5.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,218 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,872 | $7.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,218 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,872 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.