| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $33K | $42K | 13.66% |
| ROBERT E VOGELEI3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $21K | $23K | 7.33% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $9K | $13K | 14.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $689 | $689 | 0.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $8K | $19K | 24.95% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $619 | $619 | 0.81% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 26.22% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $395 | $395 | 0.96% |
| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $924 | $2K | 24.80% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $75 | $75 | 0.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $979 | $647 | $2K | 24.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53 | $53 | 0.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Insurance services; Float revenue; Other fees; Claims processing; Consulting (general) Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $160K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 407 | $161K |
| Vision | NGL | 376 | $29K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $83K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $41K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 174 | $309K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.