| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 WEST FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $66K | — | $66K | 1.80% |
| EMAD MOSALLAM3 | 32600 TELEGRAPH RD. SUITE 200 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | — | $44K | 1.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 10.24% |
| SPARTAN WEALTH MANAGEMENT3 Filed as: SPARTAN WEALTH MANAGEMENT INC. | 154 S. OLD WOODWARD AVE STE 205 BIRMINGHAM, MA 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST JONATHAN M. POPE ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.02% |
| SPARTAN WEALTH MANAGEMENT3 | 32600 TELEGRAPH RD. SUITE 200 STE 200 BINGHAM FARMS, MI 48025 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.96% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $810 | $8K | 13.92% |
| SPARTAN WEALTH MANAGEMENT3 Filed as: SPARTAN WEALTH MANAGEMENT INC. | 154 S. OLD WOODWARD AVE STE 205 BIRMINGHAM, MA 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED | $3K | — | $3K | 7.14% |
| SPARTAN WEALTH MANAGEMENT3 | 32600 TELEGRAPH RD. SUITE 200 BIRMINGHAM FARMS, MI 48025 | EYEMED | $1K | — | $1K | 2.64% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 484 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 500 | $156K |
| Vision | EYEMED | 477 | $47K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $234K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $178K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 484 | $3.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 293 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.