| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 Filed as: JAMES R. ALTON | PO BOX 1788 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $37K | $0 | $37K | 2.54% |
| JONATHAN M POPE3 | 400 W. FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 1.99% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $377 | $377 | 0.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | CALIFORNIA PHYSICIANS' SERVICE | $21K | $0 | $21K | 2.44% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CALIFORNIA PHYSICIANS' SERVICE | $19K | $0 | $19K | 2.20% |
| JAMES R ALTON3 Filed as: JAMES R. ALTON | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $0 | $12K | 2.27% |
| JONATHAN M POPE3 | 400 W. FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 2.00% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $377 | $377 | 0.07% |
| ACRISURE LLC3 Filed as: ACRISURE | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07362 | CAREFIRST BLUECHOICE, INC. | $4K | $787 | $5K | 1.23% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET ROYAL OAK, MI 48067 | CAREFIRST BLUECHOICE, INC. | $4K | $0 | $4K | 0.99% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL ADMIN SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $2K | $2K | 0.41% |
| POTOMAC BASSIN GROUP ASSOC LLC5 Filed as: POTOMAC BASIN GROUP ASSN. | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $0 | $0 | 0.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 1.70% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | AMERITAS LIFE INSURANCE CORP. | $888 | $0 | $888 | 0.45% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 5.47% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 4.21% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $2K | $285 | $2K | 9.31% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $2K | $252 | $2K | 9.08% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $242 | $2K | 9.28% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $212 | $2K | 8.94% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.40% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $1K | $270 | $2K | 12.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $859 | $101 | $960 | 7.22% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $697 | $232 | $929 | 19.61% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $14 | $4 | $18 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INS. COMPANY EIN 01-0278678 N/A | Claims processing Service code 12 | — | $3K |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 177 | $3.2M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 222 | $571K |
| Vision | CAREFIRST BLUECHOICE, INC. | 31 | $373K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $127K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 177 | $3.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.