| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $36K | $0 | $36K | 4.07% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $745 | $6K | 12.19% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVENUE LANSING, MA 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $1K | $0 | $1K | 11.66% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 174 | $879K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $51K |
| Vision | EYEMED VISION CARE | 157 | $10K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 134 | $61K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 134 | $61K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 134 | $61K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 134 | $61K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.