| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E VOGELEI3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $46K | $58K | 16.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.37% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $5K | $290 | $5K | 2.93% |
| CAMBRIDGE CONSULTING GROUP LLC4 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | NGL | $3K | — | $3K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing; Other fees Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $165K |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 448 | $172K |
| Vision | NGL | 387 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $59K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 185 | $345K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.