| 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 | $39K | $0 | $39K | 1.73% |
| CAMERON M KENNEDY3 Filed as: CAMERON M. KENNEDY | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 1.25% |
| 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 | 4.73% |
| 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 | $825 | $825 | 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 | $770 | $770 | 1.40% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $748 | $0 | $748 | 1.48% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $611 | $611 | 1.20% |
| 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 | $200 | $200 | 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 | $160 | $160 | 1.20% |
| 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 | $176 | $176 | 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 | $155 | $155 | 1.32% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | 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 | 422 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 537 | $206K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 396 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 422 | $2.2M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 201 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.