| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CANDIUS STEARNS3 | PO BOX 7028 TROY, MI 48007 | BLUECROSS BLUESHIELD OF MICHIGAN | $35K | $115 | $35K | 2.48% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN MCCAIN | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | BLUECROSS BLUESHIELD OF MICHIGAN | $5K | — | $5K | 0.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BEAVER RD, STE 600 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 4.43% |
| DF BENEFITS, INC3 | PO BOX 71027 MADISON HEIGHTS, MI 48071 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.22% |
| PLANCHOICE INC3 Filed as: PLANCHOICE, INC | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| DF BENEFITS, INC3 | PO BOX 71027 MADISON HEIGHTS, MI 48071 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.08% |
| CANDIUS STEARNS3 | 30801 BARRINGTON ST, STE 120 MADISON HEIGHTS, MI 48071 | METROPOLITAN LIFE INSURANCE COMPANY | $944 | — | $944 | 6.32% |
| PLANCHOICE INC3 Filed as: PLANCHOICE, INC | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $674 | — | $674 | 4.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.11% |
| DF BENEFITS, INC3 | PO BOX 71027 MADISON HEIGHTS, MI 48071 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.93% |
| CANDIUS STEARNS3 | 30801 BARRINGTON ST, STE 120 MADISON HEIGHTS, MI 48071 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | — | $744 | 5.88% |
| PLANCHOICE INC3 Filed as: PLANCHOICE, INC | 13257 OBANNON STATION WAY LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $568 | — | $568 | 4.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.13% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $63 | — | $63 | 2.81% |
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 | 272 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 232 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF MICHIGAN | 120 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF MICHIGAN | 120 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $77K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $77K |
| Prescription drug(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 232 | $813K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.