| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI | 325 N. OLD WOODWARD AVE. BIRMINGHAM, MI 48009 | PRIORITY HEALTH | $17K | — | $17K | 4.00% |
| EXTERNAL AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 2.47% |
| MANAGING AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $98 | — | $98 | 0.13% |
| 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 | 10.37% |
| 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 | 7.33% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 3.44% |
| ROBERT VOGELEI | 325 N. OLD WOODWARD AVE. BIRMINGHAM, MI 48009 | PRIORITY HEALTH | $561 | — | $561 | 4.00% |
| CAMBRIDGE CONSULTING GROUP LLC Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYE MED | $573 | — | $573 | 9.35% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PRIORITY HEALTH | 78 | $512K |
| Dental | DELTA DENTAL OF MICHIGAN | 117 | $38K |
| Vision | EYE MED | 93 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $45K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $45K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 10 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.