| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E VOGELEI3 | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $35K | $50K | 11.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.87% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.63% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.93% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $150K |
| BCI ADMINISTRATORS EIN 38-3349153 TPA | Contract Administrator; Claims processing Service code 12 | P.O. BOX 250878 WEST BLOOMFIELD, MI 483250878 | $12K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 257 | $87K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $34K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $42K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 189 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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.
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.