| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | HEALTH ALLIANCE PLAN | $86K | $0 | $86K | 2.98% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 4.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BUILDING 2 STE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $772 | $772 | 0.40% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 16.55% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | $0 | $2K | 5.00% |
| TRACY KATZ LLC4 | 1662 R MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $3K | $0 | $3K | 13.70% |
| CAMBRIDGE CONSULTING GROUP LLC4 | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $2K | $0 | $2K | 9.63% |
| TODD W MEYER4 | 2196 BURNING TREE CIR OWOSSO, MI 48867 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $54 | $0 | $54 | 0.26% |
| ANDREA M HARRIS PEGUSE4 | 25199 GRODAN DR SOUTHFIELD, MI 48033 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $40 | $0 | $40 | 0.19% |
| FREDRECK CRUZ4 | 1312 HARTRICK AVE ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $20 | $0 | $20 | 0.10% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 77 | $329K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $192K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 707 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $125K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $125K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.