| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 WEST BIG BEAVER SUITE 600 TROY, MI 48084 | BLUE CARE NETWORK | $39K | — | $39K | 4.19% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN MCCAIN | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | BCBSM | $43K | — | $43K | 5.34% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | BCBSM | — | $2K | $2K | 0.20% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER RD STE 600 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 13.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER ROAD STE 600 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 9.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 WEST BIG BEAVER, STE 600 TROY, MI 48084 | NGL | $2K | — | $2K | 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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 235 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 334 | $97K |
| Vision | NGL | 256 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $99K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 235 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.