| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | P.O. BOX 6392 GRAND RAPIDS, MI 49516 | ARDELLIS INSURANCE LTD | $89K | — | $89K | 17.98% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.18% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.74% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DR DAVISON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $756 | $756 | 0.41% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | CAMBRIDGE CONSULTING GROUP LLC 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 4.77% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 18.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $75 | $75 | 0.16% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $3K | — | $3K | 10.17% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $715 | $3K | 19.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $2K | $632 | $3K | 19.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $2K | $623 | $3K | 18.99% |
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 | 3,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 47 | $182K |
| Dental | DELTA DENTAL OF MICHIGAN | 582 | $178K |
| Vision | EYEMED VISION CARE | 516 | $30K |
| Life insurance(4 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 376 | $25K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 94 | $46K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 116 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 47 | $182K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE LTD | 308 | $493K |
| Other(8 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 376 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.