| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | HEALTH ALLIANCE PLAN | $31K | — | $31K | 2.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.39% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | HEALTH ALLIANCE PLAN | $6K | — | $6K | 2.65% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.71% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INS CO | $6K | $1K | $7K | 11.70% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $3K | — | $3K | 10.40% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE CO | $1K | $175 | $2K | 5.25% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE CO | $883 | — | $883 | 2.94% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS | $2K | — | $2K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INS CO | $8K | $896 | $9K | 61.47% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH ALLIANCE PLAN | 355 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 532 | $144K |
| Vision | NATIONAL VISION ADMINISTRATORS | 425 | $21K |
| Life insurance | UNUM LIFE INS CO | 476 | $57K |
| Short-term disability | UNUM LIFE INS CO | 476 | $57K |
| Long-term disability | UNUM LIFE INS CO | 476 | $57K |
| Other(2 contracts) | UNUM LIFE INSURANCE CO | 171 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.