| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS INC | $0 | $2K | $2K | 0.08% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS INC | $774 | $0 | $774 | 0.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $463 | $463 | 0.14% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $0 | $274 | $274 | 0.13% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS INC | 571 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 680 | $217K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $35K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $248K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $248K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $248K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD OF MASSACHUSETTS INC | 571 | $3.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.