Welfare broker

JEROME P CIARAMITARO

Mailing address (most recent filing)

2701 TROY CENTER DR SUITE 410

TROY, MI 48084

Total comp: $537K
Commissions: $537K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where JEROME P CIARAMITARO places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	3	$13.6M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	3	$13.6M	0.1%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of JEROME P CIARAMITARO's plans by broker comp / premium ratio. Median 4.06% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of JEROME P CIARAMITARO's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where JEROME P CIARAMITARO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PRIORITY WASTE RESOURCES LLC PRIORITY WASTE RESOURCES LLC HEALTH & WELFARE BENE	MI	$7.6M	$310K	BLUE CROSS BLUE SHIELD OF MICHIGAN
THE IDEAL GROUP INC IDEAL GROUP WELFARE BENEFIT PROGRAMS	MI	$4.4M	$174K	BLUE CROSS BLUE SHIELD OF MICHIGAN
WORLD TEK INDUSTRIES WORLD TEK INDUSTRIES WELFARE BENEFIT	MI	$1.6M	$95K	BLUE CROSS BLUE SHIELD OF MICHIGAN

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$13.6M

100.0%

State

Plans

Premium

State share

Index

$13.6M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

PRIORITY WASTE RESOURCES LLC

PRIORITY WASTE RESOURCES LLC HEALTH & WELFARE BENE

$7.6M

$310K

BLUE CROSS BLUE SHIELD OF MICHIGAN

THE IDEAL GROUP INC

IDEAL GROUP WELFARE BENEFIT PROGRAMS

$4.4M

$174K

BLUE CROSS BLUE SHIELD OF MICHIGAN

WORLD TEK INDUSTRIES

WORLD TEK INDUSTRIES WELFARE BENEFIT

$1.6M

$95K

BLUE CROSS BLUE SHIELD OF MICHIGAN