| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI3 | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 5.58% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $505 | $505 | 0.09% |
| CAMBRIGE CONSULTING GROUP LLC3 Filed as: CAMBRIGE CONSULTING GROUP | 400 W 4TH STREEET, STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 5.87% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 W BIG BEAVER, STE 200 TROY, MI 48084 | HARTFORD LIFE AND ACCIDENT | — | $142 | $142 | 0.12% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYEMED | $2K | — | $2K | 10.79% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 151 | $586K |
| Dental | DELTA DENTAL OF MICHIGAN | 301 | $121K |
| Vision | EYEMED | 274 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 332 | $117K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $117K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 332 | $117K |
| Other | HARTFORD LIFE AND ACCIDENT | 332 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.