| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI3 | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH | $18K | $0 | $18K | 3.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| ROBERT VOGELEI3 | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH INSURANCE COMPANY | $932 | $0 | $932 | 3.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $241 | $5K | 21.12% |
| ROBERT VOGELEI3 | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $410 | $0 | $410 | 7.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $624 | $48 | $672 | 18.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W. 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $646 | $29 | $675 | 20.90% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 138 | $619K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 66 | $36K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 86 | $5K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $25K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 90 | $42K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 90 | $42K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.