| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 1.77% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.21% |
| CAMERON M KENNEDY4 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.50% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | — | $624 | $624 | 0.23% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE FINANCIAL SERVICES I | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.90% |
| CAMBRIDGE CONSULTING GROUP LLC4 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES I | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $579 | $579 | 1.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.31% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES I | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $561 | $561 | 2.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | — | $491 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMERON M KENNEDY | Non-monetary compensation; Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 480678067 | $45K |
| CAMBRIDGE CONSULTING GROUP LLC | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 480678067 | $16K |
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 | 695 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $2.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $2.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $53K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.