| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH | $41K | $0 | $41K | 3.00% |
| ROBERT VOGELEI3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH INSURANCE | $26K | $0 | $26K | 3.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | $410 | $7K | 3.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $13K | 10.78% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS | $3K | $0 | $3K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $28 | $6K | 18.95% |
| ENROLL FORCE, LLC3 Filed as: ENROLL FORCE LLC | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $492 | $0 | $492 | 1.64% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $356 | $0 | $356 | 1.19% |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 446 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 725 | $218K |
| Vision | NATIONAL VISION ADMINISTRATORS | 611 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $116K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.