| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRIFASI, SHERI3 | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH | $33K | $0 | $33K | 2.49% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH | $7K | $0 | $7K | 0.51% |
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 4.47% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 7.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.21% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $28 | $28 | 0.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.97% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $1K | $0 | $1K | 10.77% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $869 | $0 | $869 | 11.10% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $641 | $0 | $641 | 8.19% |
| RONALD ROLAND4 | 7310 GREENVIEW AVE DETROIT, MI 48228 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | TELADOC | $1K | $0 | $1K | 15.00% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 155 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $107K |
| Vision | EYEMED VISION CARE | 202 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 146 | $203K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 146 | $203K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 146 | $203K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 66 | $583K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 146 | $219K |
| 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.