| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $11K | — | $11K | 4.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $2K | — | $2K | 3.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 8.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $788 | — | $788 | 2.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 9.81% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $466 | — | $466 | 3.34% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 25.37% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | UNITED DENTAL CARE OF MICHIGAN, INC. | $1K | — | $1K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES, INC. | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $175 | — | $175 | 2.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $211 | — | $211 | 9.31% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 15 | $64K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 88 | $36K |
| Vision(6 contracts) | TOTAL HEALTH CARE USA, INC. | 72 | $357K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 17 | $47K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 17 | $47K |
| Prescription drug(8 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 72 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.