| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC1 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $196K | — | $196K | 14.85% |
| GALLAGHER BENEFIT SERVICES, INC.2 Filed as: GALLAGHER BENEFIT SERVICES INC | PARK CENTRAL 7/ 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 1.63% |
| CAMBRIDGE CONSULTING GROUP LLC1 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS LLC | $7K | — | $7K | 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 | $7K | — | $7K | 17.00% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES LLC | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 3.80% |
| PROPER CARE4 | 10229 S RIVER TRL KNOXVILLE, TN 37922 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $286 | — | $286 | 0.68% |
| INTERNATIONAL CHAMBERS GROUP INC4 | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $286 | — | $286 | 0.68% |
| L-K MARKETING GROUP, LLC4 Filed as: LK MARKETING GROUP LLC | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $95 | — | $95 | 0.23% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $95 | — | $95 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator; Insurance services; Float revenue Service code 12 | PO BOX 2888 DETROIT, MI 48231 | $1.5M |
| JONATHAN M POPE EIN 38-3919970 BROKER | Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 400 W. FOURTH ST. SUITE 300 ROYAL OAK, MI 48067 | $74K |
| CAMBRIDGE CONSULTING GROUP LLC BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | — | $0 |
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. |
| 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 | 2,698 | $130K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $1.3M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 959 | $1.3M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $1.3M |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 188 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,698 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.