| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 0.97% |
| CAMERON M KENNEDY3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.21% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 2.17% |
| CAMERON M KENNEDY3 | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $812 | $812 | 0.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $5K | $2K | $6K | 17.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $2K | $2K | 6.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $657 | $219 | $876 | 2.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $3K | $869 | $3K | 17.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $1K | $1K | 6.07% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $376 | $125 | $501 | 2.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $872 | $29 | $901 | 13.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 200 INTERNATIONAL CIR CAROL RONIS #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $397 | $397 | 6.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $117 | $39 | $156 | 2.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $637 | $96 | $733 | 20.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 200 INTERNATIONAL CIR CAROL RONIS #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $230 | $230 | 6.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $84 | $13 | $97 | 2.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $606 | $91 | $697 | 19.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 200 INTERNATIONAL CIR CAROL RONIS #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $208 | $208 | 5.92% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST KRISTI MYERS STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $97 | $15 | $112 | 3.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $369 | $55 | $424 | 20.18% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 200 INTERNATIONAL CIR CAROL RONIS #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $124 | $124 | 5.90% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST KRISTI MYERS STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $52 | $8 | $60 | 2.86% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE | $146 | $49 | $195 | 17.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $67 | $67 | 6.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE | $21 | $7 | $28 | 2.52% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 208 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 208 | $227K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 208 | $227K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 198 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 9 | $1K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 208 | $1.0M |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE | 198 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.