| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERUCCI MARK J3 | 21067 MAYBURY PARK DR NORTHVILLE, MI 48167 | PRIORITY HEALTH INSURANCE COMPANY | $43K | $0 | $43K | 3.05% |
| KENNEDY CAMERON M3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH INSURANCE COMPANY | $13K | $0 | $13K | 0.95% |
| M&M BENEFIT GROUP LLC3 Filed as: M&M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, GA 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 7.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 2.26% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD NOVI, MI 48375 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.55% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $497 | $2K | 3.43% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.51% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | $173 | $823 | 4.55% |
| M&M BENEFIT GROUP LLC3 Filed as: M&M BENEFIT GROUP | 39500 HIGH POINTE BLVD NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $675 | $180 | $855 | 5.07% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 300 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY | $976 | $0 | $976 | 10.80% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY | $276 | $63 | $339 | 3.75% |
| M&M BENEFIT GROUP LLC3 Filed as: M&M BENEFIT GROUP | 21067 MAYBURY PARK DR NORTHVILLE, MI 48167 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $692 | $0 | $692 | 7.68% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET SUIT 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $209 | $0 | $209 | 2.32% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY | $859 | $0 | $859 | 13.43% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY | $17 | $5 | $22 | 0.34% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 181 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 112 | $51K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 180 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $136K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $144K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $119K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 181 | $1.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
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.