| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $230K | — | $230K | 14.84% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 1.39% |
| CAMBRIDGE CONSULTING GROUP LLC4 | 400 W. FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS LLC | $11K | — | $11K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $8K | — | $8K | 17.00% |
| PROPER CARE4 | 10229 S RIVER TRL KNOXVILLE, TN 37922 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $348 | — | $348 | 0.75% |
| INTERNATIONAL CHAMBERS GROUP INC4 | 7726 SQUIRREL RUN MAINEVILLE, OH 45039 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $348 | — | $348 | 0.75% |
| PETRILL AND ASSOCIATES LLC4 | 439 CHRISTOPHER RD SHELBY, NC 28152 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $116 | — | $116 | 0.25% |
| L-K MARKETING GROUP, LLC Filed as: L-K MARKETING GROUP LLC | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $116 | — | $116 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Direct payment from the plan; Float revenue; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Other fees; Claims processing Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 48226 | $1.5M |
| JONATHAN POPE EIN 38-3919970 BROKER / AGENT | Other fees; Other commissions; Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 400 W. 4TH ST SUITE 300 ROYAL OAK, MI 48067 | $124K |
| CAMBRIDGE CONSULTING GROUP LLC EIN 38-3919970 BROKER / AGENT | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Other fees Service code 22 | 400 W. 4TH ST SUITE 300 ROYAL OAK, MI 48067 | $38K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 2,861 | $214K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,861 | $1.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,861 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,861 | $1.5M |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 214 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,861 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.