| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | MEDICAL MUTUAL OF OHIO | $139K | $419 | $139K | 2.98% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $22K | $84K | 9.85% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE DAVISON, MI 48423 | BLUE CARE NETWORK OF MICHIGAN | $27K | — | $27K | 5.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | $840 | — | $840 | 0.15% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 9.72% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 20.15% |
| GERMAIN INSURANCE3 | 1500 AUTO MALL DRIVE COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 11.81% |
| SELENA A PROKSA3 Filed as: SELENA A. PROKSA | 523 JEFFERSON ST. LAKE GENEVA, WI 53147 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.09% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 15.54% |
| GERMAIN INSURANCE3 | 1500 AUTO MALL DRIVE COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.75% |
| MURPHY FAMILY INS CO3 Filed as: MURPHY FAMILY INSURANCE COMPANY | 37048 U.S. HIGHWAY 27 HAINES CITY, FL 33844 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 14.23% |
| GERMAIN INSURANCE3 | 1500 AUTO MALL DR COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.86% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.59% |
| GERMAIN INSURANCE3 | 1500 AUTO MALL DRIVE COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| SELENA A PROKSA3 | 523 JEFFERSON ST LAKE GENEVA, WI 53147 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 480672531 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $3K | — | $3K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $4K | — | $4K | 25.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NGL | $494 | — | $494 | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $181 | — | $181 | 20.02% |
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 | 1,139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 491 | $6.5M |
| Dental(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $1.1M |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 232 | $212K |
| Life insurance(6 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $1.3M |
| Short-term disability(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $1.1M |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $1.1M |
| Prescription drug(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OHIO | 491 | $6.5M |
| Other(7 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 883 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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."
No prospect flags tripped on this filing.