| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 11.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 30150 TELEGRAPH RD, STE 408 FRANKLIN, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $283 | $4K | 21.40% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | $184 | $432 | 8.73% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $529 | $102 | $631 | 23.86% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $97K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $97K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $117K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $97K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $97K |
| Other(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.