| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | HEALTH ALLIANCE PLAN | $37K | — | $37K | 1.51% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $12K | — | $12K | 0.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 1.50% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 0.49% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 10.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST 4TH SREET, SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $17K | $0 | $17K | 8.17% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | FSL | $1K | — | $1K | 3.80% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | FSL | $445 | — | $445 | 1.20% |
| TRACY KATZ LLC4 | 1662 EAST MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 11.28% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.64% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 375 | $4.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 738 | $213K |
| Vision | FSL | 683 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $258K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $258K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $258K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 375 | $4.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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.