| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $37K | $0 | $37K | 4.97% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.14% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $63 | $8K | 7.79% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $966 | $0 | $966 | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 14.89% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $163 | $163 | 1.98% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST # 300 ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $723 | $2K | 44.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $656 | $656 | 13.70% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $70 | $70 | 1.46% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 128 | $736K |
| Dental | DELTA DENTAL OF MICHIGAN | 189 | $80K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 187 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $105K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $105K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $105K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 128 | $736K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.