| 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 | $30K | $0 | $30K | 4.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.73% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $673 | $4K | 11.24% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $280 | $280 | 0.80% |
| 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 | $4K | $559 | $5K | 17.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | LIFE INSURANCE CO OF NORTH AMERICA | $0 | $233 | $233 | 0.85% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $411 | $3K | 15.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $171 | $171 | 0.77% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED | $2K | $0 | $2K | 15.50% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITEDHEALTHCARE INSURANCE COMPANY | $445 | $81 | $526 | 11.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34 | $34 | 0.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITEDHEALTHCARE INSURANCE COMPANY | $375 | $98 | $473 | 12.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $41 | $41 | 1.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITEDHEALTHCARE INSURANCE COMPANY | $244 | $44 | $288 | 11.82% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18 | $18 | 0.74% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE CO | 154 | $743K |
| Dental | DELTA DENTAL OF MICHIGAN | 80 | $64K |
| Vision | EYEMED | 142 | $11K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 187 | $30K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 47 | $35K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $22K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 187 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.