| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT VOGELEI3 | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH INSURANCE CO | $59K | — | $59K | 4.00% |
| 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 | 4.36% |
| 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 | $2K | $5K | 9.39% |
| 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 | $1K | $5K | 13.01% |
| 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 | $1K | $4K | 10.43% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | EYEMED | $2K | — | $2K | 10.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | $680 | $3K | 19.27% |
| 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 | $2K | $658 | $3K | 19.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DENTEGRA INSURANCE CO | $721 | — | $721 | 4.75% |
| 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 | $2K | $395 | $2K | 18.32% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST., STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE CO OF NORTH AMERICA | $504 | $147 | $651 | 12.93% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE CO | 313 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 300 | $152K |
| Vision | EYEMED | 296 | $20K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 363 | $42K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 67 | $55K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 94 | $39K |
| Other(5 contracts) | LIFE INSURANCE CO OF NORTH AMERICA | 364 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.