| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE DAVISON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | $0 | $46K | 4.58% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $681 | $681 | 0.07% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE DAVISON, MI 48423 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 4.46% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $617 | $617 | 0.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 9.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $935 | $5K | 12.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $390 | $390 | 0.96% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $957 | $5K | 12.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $399 | $399 | 1.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $872 | $4K | 12.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $363 | $363 | 1.22% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $574 | $4K | 17.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S. CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $239 | $239 | 0.99% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $1K | $0 | $1K | 13.36% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | 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 | 130 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 242 | $99K |
| Vision | EYEMED VISION CARE | 238 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 130 | $1.7M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.