| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 Filed as: CAMERON W KENNEDY | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHEILD OF MICHIGAN | $35K | $0 | $35K | 2.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHEILD OF MICHIGAN | $0 | $6K | $6K | 0.44% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 10.88% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.04% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MICHIGAN | 209 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Prescription drug | BLUE CROSS BLUE SHEILD OF MICHIGAN | 209 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.