| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE MUXLOW | 3150 PHILLIPS AVE. BERKLEY, MI 48072 | PRIORITY HEALTH | $18K | — | $18K | 4.00% |
| EXTERNAL AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 3.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 10.40% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 10.09% |
| KYLE MUXLOW | 3150 PHILLIPS AVE. BERKLEY, MI 48072 | PRIORITY HEALTH | $1K | — | $1K | 4.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.82% |
| CAMBRIDGE CONSULTING GROUP LLC Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $516 | — | $516 | 10.05% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH | 48 | $590K |
| Dental | DELTA DENTAL OF MICHIGAN | 92 | $35K |
| Vision | EYE MED | 59 | $5K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $73K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $85K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $73K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 14 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.