| 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. | $11K | — | $11K | 4.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $3K | — | $3K | 3.66% |
| 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 | 9.98% |
| 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 | 3.85% |
| 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 | 9.99% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $632 | — | $632 | 2.44% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $297 | — | $297 | 2.70% |
| 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. | $1K | — | $1K | 9.90% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 22.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $606 | — | $606 | 10.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W. BIG BEAVER RD., STE 600 TROY, MI 48084 | TOTAL HEALTH CARE USA, INC. | $93 | — | $93 | 2.59% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 18 | $84K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 107 | $40K |
| Vision(7 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 111 | $431K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $54K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $54K |
| Prescription drug(8 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 60 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
No prospect flags tripped on this filing.