| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 2.91% |
| JONATHAN M POPE3 | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 3.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $94 | $94 | 0.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 17.16% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.13% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 210 | $933K |
| Dental | DELTA DENTAL OF MICHIGAN | 312 | $127K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 243 | $560K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $111K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.