| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | BCBSM | $21K | $2K | $23K | 1.89% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK | $32K | — | $32K | 3.78% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD, STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK | $10K | — | $10K | 1.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 9.73% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 13.53% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 10.78% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | NGL | $3K | — | $3K | 10.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $721 | $3K | 17.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH STREET, STE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $504 | $178 | $682 | 13.54% |
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 | 392 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBSM | 223 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 396 | $115K |
| Vision | NGL | 368 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 314 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BCBSM | 223 | $2.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 314 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.