| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERI L CRIFASI3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | $0 | $58K | 3.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.10% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $9K | $229 | $9K | 4.77% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $674 | $674 | 1.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.58% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $556 | $556 | 1.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $3K | $0 | $3K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.88% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $136 | $136 | 1.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $108 | $108 | 1.02% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 419 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 526 | $198K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 379 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 419 | $1.9M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.