| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM R. PAPA3 | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | $1K | $43K | 2.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $493 | $493 | 0.03% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD. SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.73% |
| WILLIAM R. PAPA3 Filed as: WILLIAM R.PAPA | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 1.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 3.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $610 | $4K | 4.61% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $203 | $3K | 5.42% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER SUITE 600 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $289 | $4K | 10.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.95% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $159 | $3K | 15.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $365 | $0 | $365 | 3.04% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | 266 | 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 | 314 | $2.1M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 409 | $219K |
| Vision | VISION SERVICE PLAN | 215 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 314 | $2.1M |
| Other(5 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 409 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.