| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | AETNA LIFE INSURANCE CO. | — | $25K | $25K | 0.85% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY SOUTH BLDG 2 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 2.87% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 2.60% |
| 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 | $10K | $1K | $11K | 17.60% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $663 | $6K | 16.71% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $445 | $4K | 12.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM INSURANCE COMPANY | $3K | $387 | $4K | 16.20% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $3K | $544 | $4K | 17.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM INSURANCE COMPANY | $2K | $388 | $3K | 17.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers; Other fees Service code 22 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 480678067 | $67K |
| CAMBRIDGE FINANCIAL SERVICES INC | Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 480678067 | $11K |
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 | 620 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 528 | $2.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 805 | $145K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 805 | $145K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 620 | $65K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 620 | $27K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 130 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.