| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 1.66% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.18% |
| ROBERT VOGELEI3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 0.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.14% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $8K | $559 | $9K | 1.35% |
| 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 | $11K | $3K | $14K | 8.41% |
| 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 | $13K | $2K | $15K | 16.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $539 | $15K | 30.26% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | $0 | $93 | 0.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS | $4K | $0 | $4K | 10.00% |
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 | 941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 464 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 977 | $661K |
| Vision | NATIONAL VISION ADMINISTRATORS | 812 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 941 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 941 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 941 | $165K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 464 | $3.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 941 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.