| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGRAW3 Filed as: THOMAS P MCGRAW | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PRIORITY HEALTH | $32K | — | $32K | 2.90% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN MCCAIN | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | PRIORITY HEALTH | $11K | — | $11K | 0.97% |
| GERARD MISERENDINO3 | 18538 MACK AVE GROSSE POINTE, MI 48236 | PRIORITY HEALTH | $282 | — | $282 | 0.03% |
| THOMAS MCGRAW3 Filed as: THOMAS P MCGRAW | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | PRIORITY HEALTH | $23K | — | $23K | 3.00% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN MCCAIN | 101 W BIG BEAVER RD, STE 600 TROY, MI 48084 | PRIORITY HEALTH | $7K | — | $7K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $11K | $2K | $13K | 10.57% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $4K | $345 | $4K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $3K | $212 | $3K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 12.98% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $2K | $157 | $2K | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 WEST BIG BEAVER, STE 600 TROY, MI 48084 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $426 | — | $426 | 2.52% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 299 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 188 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 248 | $191K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 248 | $119K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY | 248 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.