| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 1.68% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.11% |
| CAMERON M KENNEDY3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $20K | $0 | $20K | 1.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $11K | $393 | $11K | 3.33% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.37% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 4.63% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.70% |
| CAMBRIDGE CONSULTING GROUP LLC7 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.65% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48076 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.49% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.30% |
| CAMBRIDGE CONSULTING GROUP LLC | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48076 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238 | $0 | $238 | 11.98% |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | 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 | 727 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 727 | $336K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 727 | $2.0M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 479 | $84K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $148K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 441 | $93K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 727 | $3.3M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 479 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.