| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERI L CRIFASI3 Filed as: SHERI CRIFASI | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD | $31K | — | $31K | 2.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST., STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $2K | — | $2K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST., STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $2K | — | $2K | 7.13% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS | $2K | — | $2K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD | $815 | — | $815 | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST., STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INS CO | $577 | — | $577 | 10.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 318 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 358 | $133K |
| Vision | NATIONAL VISION ADMINISTRATORS | 268 | $18K |
| Life insurance | RELIANCE STANDARD | 132 | $34K |
| Long-term disability | RELIANCE STANDARD | 112 | $39K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 132 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
No prospect flags tripped on this filing.