| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP (FKA CAMBRIDGE FIN. SER.) | 400 W 4TH ST STE. 300 ROYAL OAK, MI 480672531 | TOTAL HEALTH CARE USA, INC. | $21K | — | $21K | 4.93% |
| EXTERNAL AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 3.63% |
| MANAGING AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $593 | — | $593 | 0.82% |
| 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 | $6K | — | $6K | 10.92% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $5K | $123 | $5K | 10.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORP (FKA CAMBRIDGE FIN. SER.) | 400 W 4TH ST STE. 300 ROYAL OAK, MI 480672531 | TOTAL HEALTH CARE USA, INC. | $306 | — | $306 | 2.48% |
| CAMBRIDGE CONSULTING GROUP LLC Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $704 | — | $704 | 10.96% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 10 | $72K |
| Dental | DELTA DENTAL OF MICHIGAN | 134 | $45K |
| Vision(3 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 105 | $442K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 227 | $55K |
| Prescription drug(3 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 91 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
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.