| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $79K | — | $79K | 2.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.16% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 4.91% |
| CAMBRIDGE CONSULTING GROUP LLC Filed as: CAMBRIDGE CONSULTING GROUP | 400 FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | PROFESSIONAL BENEFITS SERVICES (TPA) DBA VARIPRO | $725 | — | $725 | 0.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.73% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $512 | — | $512 | 1.55% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $30 | $30 | 0.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 17.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMERON M KENNEDY CONSULTANT | Insurance agents and brokers; Non-monetary compensation; Other commissions; Other fees; Insurance brokerage commissions and fees Service code 22 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | $79K |
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 | 527 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 575 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 557 | $155K |
| Vision | PROFESSIONAL BENEFITS SERVICES (TPA) DBA VARIPRO | 405 | $223K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $347K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $347K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $347K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 575 | $2.9M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.