| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 6.47% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.97% |
| RALPH C WILSON AGENCY INC4 Filed as: RALPH C. WILSON AGENCY INC. | P.O. BOX 5069 SOUTHFIELD, MI 48033 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $487 | $487 | 1.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $123 | $3K | 20.88% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | $91 | $761 | 24.63% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $514 | $21 | $535 | 20.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W. BIG BEAVER, SUITE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | — |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 50 | $380K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 109 | $37K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 109 | $37K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $17K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $32K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $32K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 50 | $380K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.