| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $9K | — | $9K | 4.90% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $3K | — | $3K | 4.37% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $4K | — | $4K | 6.03% |
| 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 | $5K | — | $5K | 10.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 10.39% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $1K | — | $1K | 4.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $175 | — | $175 | 0.73% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $1K | — | $1K | 6.04% |
| 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 | 9.81% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $980 | — | $980 | 9.70% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | UNITED DENTAL CARE OF MICHIGAN, INC. | $990 | — | $990 | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $577 | — | $577 | 5.85% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 30.46% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $376 | — | $376 | 5.33% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $473 | — | $473 | 9.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | UNITED DENTAL CARE OF MICHIGAN, INC. | $334 | — | $334 | 8.31% |
| CAMBRIDGE FINANCIAL SEREVICES3 Filed as: CAMBRIDGE EMPLOYEE BENEFITS | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $740 | — | $740 | 29.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $119 | — | $119 | 5.34% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $170 | — | $170 | 8.50% |
| 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. | — | — | $0 | — |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 17 | $80K |
| Dental(4 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 105 | $52K |
| Vision(12 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 108 | $421K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $67K |
| Short-term disability(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $79K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $67K |
| Prescription drug(12 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 60 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.