| 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 | $11K | $4K | $15K | 6.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $468 | $25K | 15.29% |
| 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 | 1.46% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST, STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $9 | $15K | 12.89% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AA 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $591 | $8K | 6.77% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 400 W 4TH ST, STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $36 | $2K | 1.59% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 31.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $14K | $14K | 16.45% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $197 | $4K | 5.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICE | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.47% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $655 | $7K | 22.71% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST, STE 300 ROYAL OAK, MI 480678067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.89% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER STE 600 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 3.59% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AON COMPANY | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $22 | $68 | 0.21% |
| DANIEL CORNWELL3 | 101 W BIG BEAVER STE 600 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| JOHN CUMMINGS3 | 161 CANTERBURY CT SAGINAW, MI 48638 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $399 | $3K | 13.38% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $922 | — | $922 | 15.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $231 | — | $231 | 3.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $908 | — | $908 | 17.86% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $203 | $203 | 3.99% |
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 | 1,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,539 | $83K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,571 | $76K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $365K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $249K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,571 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,571 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.