| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 3.45% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER STE 600 TROY, MI 48084 | BLUECROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.85% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER RD STE 600 TROY, MI 48084 | UNION SECURITY INSURANCE COMPANY | $5K | $53 | $5K | 5.06% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 15.06% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 WEST BIG BEAVER, STE 600 TROY, MI 48084 | FSL | $1K | — | $1K | 5.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 294 | $1.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 157 | $94K |
| Vision | FSL | 404 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $45K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $45K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 294 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.