| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.00% |
| CAMERON M KENNEDY3 | 400 W 4 ST STE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.92% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.16% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $794 | $0 | $794 | 0.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 JONATHAN POPE ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 3.47% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROBERT VOGELEI ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 1.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $794 | $0 | $794 | 2.98% |
| CAMERON M KENNEDY3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $491 | $0 | $491 | 1.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MH 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $12 | $12 | 0.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS LLC | $1K | $0 | $1K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 14.89% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | UNUM INSURANCE COMPANY | $0 | $151 | $151 | 1.99% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $763K |
| Dental | DELTA DENTAL OF MICHIGAN | 194 | $83K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 193 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $105K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $105K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $763K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.