| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 Filed as: JONATHAN M. POPE | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 1.37% |
| EDGAR MARK GREGORY3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 0.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.16% |
| JONATHAN M POPE3 Filed as: JONATHAN M. POPE | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $0 | $21K | 1.64% |
| EDGAR MARK GREGORY3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.17% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 571 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 571 | $1.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 571 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $193K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $193K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $193K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 489 | $2.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 499 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.