| 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 | $41K | $0 | $41K | 4.06% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | $168 | $4K | 4.90% |
| 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 | $0 | $3K | 6.28% |
| 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 | $0 | $3K | 10.00% |
| 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 | $0 | $2K | 8.90% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED | $1K | $0 | $1K | 7.27% |
| 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 | $0 | $2K | 15.00% |
| 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 | $0 | $2K | 15.00% |
| 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 | $1K | $0 | $1K | 15.00% |
| 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 | $472 | $0 | $472 | 10.00% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE CO | 183 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $78K |
| Vision | EYEMED | 178 | $14K |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 0 | $35K |
| Short-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 0 | $50K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 0 | $21K |
| Other(5 contracts) | LIFE INSURANCE CO OF NORTH AMERICA | 0 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.