| 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 | $24K | — | $24K | 2.99% |
| 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 | — | $377 | $377 | 0.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK | $21K | — | $21K | 3.15% |
| CAMBRIGE CONSULTING GROUP LLC3 Filed as: CAMBRIGE CONSULTING GROUP | 400 W 4TH STREET, STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.41% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | — | $4K | 6.93% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR., STE 230 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 5.44% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE CO | $6K | — | $6K | 16.62% |
| KELLY, WILLIAM, ANTHONY3 Filed as: WM A KELLY | 3100 WEST END AVE., STE 905 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE CO | $4K | — | $4K | 11.93% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | UNUM LIFE INSURANCE CO | $2K | — | $2K | 5.11% |
| ACCORDWARE LLC3 | 2250 BUTTERFILED, STE 230 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 8.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 8.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD, STE 230 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 8.99% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYEMED | $2K | — | $2K | 9.92% |
| ACCORDWARE LLC3 | 2250 BUTTERFIELD DR., STE 230 TROY, MI 48084 | LIFE INSURANCE CO OF NORTH AMERICA | $3K | — | $3K | 73.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $377 | — | $377 | 10.01% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 187 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 308 | $126K |
| Vision | EYEMED | 306 | $20K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 349 | $31K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 88 | $51K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 108 | $31K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 187 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 349 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.