| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERI L CRIFASI3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.94% |
| CAMERON M KENNEDY3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 1.68% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | — | $834 | $834 | 0.13% |
| SHERRI L CRIFASI3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 3.37% |
| CAMERON M KENNEDY3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 1.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $530 | $530 | 0.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.29% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING SERVICES | 400 WEST FOURTH STREET #300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.18% |
| MMA SERVICE CORP3 | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $399 | — | $399 | 0.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NGL | $1K | — | $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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 277 | $75K |
| Vision | NGL | 113 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $50K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $50K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.