| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 2.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $764 | $764 | 0.09% |
| CAMERON M KENNEDY3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $15K | $0 | $15K | 2.94% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $571 | $571 | 0.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.70% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 14.89% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $447 | $0 | $447 | 0.67% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS | $1K | $0 | $1K | 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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 173 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 295 | $80K |
| Vision | NATIONAL VISION ADMINISTRATORS | 293 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $66K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 173 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
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.