| 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 | $61K | $0 | $61K | 2.94% |
| 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 | $10K | $0 | $10K | 4.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE CHICOFGA, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $842 | $842 | 1.37% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $774 | $774 | 1.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $734 | $734 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $660 | $660 | 1.35% |
| 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 | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $177 | $177 | 1.38% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $132 | $132 | 1.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $170 | $170 | 1.37% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $132 | $132 | 1.06% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 411 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 521 | $201K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 386 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 168 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 411 | $2.1M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.