| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 14.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 WEST BIG BEAVER SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.39% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.81% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AA 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 22.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER, SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.95% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294 | — | $294 | 0.29% |
| JOHN CUMMINGS3 Filed as: JOHN D CUMMINGS | 161 CANTERBURY CT SAGINAW, MI 48638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99 | — | $99 | 0.10% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 WEST BIG BEAVER, SUITE 600 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS, LLC | $9K | — | $9K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 WEST BIG BEAVER SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.86% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICE | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $925 | $925 | 1.81% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $354 | $3K | 13.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, ME 48084 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $306 | $3K | 16.29% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $736 | — | $736 | 8.30% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $184 | — | $184 | 2.07% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NE 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $29 | — | $29 | 0.33% |
| JOHN CUMMINGS3 Filed as: JOHN D CUMMINGS | 161 CANTERBURY CT SAGINAW, MI 48638 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 0.11% |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,063 | $61K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,257 | $180K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $271K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $169K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,257 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.