| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 2.18% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 42400 GARFIELD SUITE A CLINTON TOWNSHIP, MI 48038 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.35% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.12% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 2.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 42400 GARFIELD SUITE A CLINTON TOWNSHIP, MI 48038 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 0.47% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $188 | $188 | 0.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $5K | $308 | $5K | 3.74% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $962 | $4K | 12.23% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | $0 | $320 | 1.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $801 | $294 | $1K | 12.15% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100 | $0 | $100 | 1.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $462 | $169 | $631 | 12.13% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | $0 | $58 | 1.12% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 1.56% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 1.04% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 318 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 353 | $141K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $218K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 318 | $1.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.