| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 2.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER RD STE 600 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 10.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER RD STE 600 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST. STE. 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.93% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST. STE. 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W FOURTH ST. STE. 300 ROYAL OAK, MI 48067 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 4.63% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | FSL | $4K | — | $4K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST STE 300 ROYAL OAK, MI 480672557 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $609 | $463 | $1K | 12.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCI ADMINISTRATORS EIN 38-3349153 NONE | Contract Administrator Service code 13 | — | $11K |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 383 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 465 | $141K |
| Vision | FSL | 429 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 256 | $171K |
| Short-term disability | STANDARD INSURANCE COMPANY | 256 | $171K |
| Long-term disability | STANDARD INSURANCE COMPANY | 256 | $171K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 383 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 256 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.