| 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 | $71K | $0 | $71K | 2.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET STE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.98% |
| 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 | $11K | $4K | $15K | 6.68% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $17K | $0 | $17K | 9.17% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 17.61% |
| TRACY KATZ LLC4 | 1662 R MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $6K | $0 | $6K | 13.48% |
| CAMBRIDGE CONSULTING GROUP LLC4 | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $4K | $0 | $4K | 9.68% |
| ANDREA M HARRIS PEGUSE4 | 25199 GRODAN DR SOUTHFIELD, MI 48033 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $74 | $0 | $74 | 0.17% |
| FREDRECK CRUZ4 | 1312 HARTRICK AVE ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | $27 | $0 | $27 | 0.06% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INCE DBA LEGAL SHEILD | — | $0 | $0 | 0.00% |
| 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% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $6K | $995 | $7K | 17.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $4K | $804 | $5K | 17.75% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 69 | $404K |
| Dental | DELTA DENTAL OF MICHIGAN | 801 | $181K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 805 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $289K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $222K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 605 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.