| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $25K | $971 | $26K | 4.12% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $688 | $688 | 0.36% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $455 | $455 | 0.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.50% |
| NOT PROVIDED3 | — | TELADOC HEALTH INC. | $6K | $0 | $6K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.86% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.31% |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH INC. | 1,059 | $40K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,958 | $626K |
| Vision | VISION SERVICE PLAN | 594 | $121K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 901 | $230K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 901 | $140K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 901 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,958 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.