| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 Filed as: CAMERON M. KENNEDY | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $26K | $30K | 17.09% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN N. MCCAIN | 27750 STANSBURY DR #100 FARMINGTON, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $9K | $10K | 5.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.57% |
| 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 | $8K | — | $8K | 10.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $226 | $3K | 14.53% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DR. #260 TROY, MI 48098 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.60% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET SUITE 300 TROY, MI 48098 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $285 | $54 | $339 | 6.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $351 | $30 | $381 | 14.26% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATION DRIVE #260 TROY, MI 48098 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $184 | — | $184 | 6.89% |
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 | 113 | 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. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $178K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $94K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $86K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $83K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $178K |
| Other(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.