| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 Filed as: CAMERON M. KENNEDY | 400 W. FOURTH ST. STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 1.29% |
| CAMERON M KENNEDY3 | 400 W. FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 1.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 2.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $7K | 4.62% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 6.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.31% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $713 | $0 | $713 | 3.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $838 | $116 | $954 | 13.66% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | 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 | 635 | $3.0M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 589 | $307K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 635 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $150K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 635 | $3.0M |
| Other(3 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 417 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
No prospect flags tripped on this filing.