| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | $0 | $49K | 1.30% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.12% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 3.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $406 | $16K | 10.87% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES I | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED | $6K | $0 | $6K | 9.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $145 | $8K | 15.29% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES I | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $745 | $745 | 1.50% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 668 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 670 | $199K |
| Vision | EYEMED | 641 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $193K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 668 | $3.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 340 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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."
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.