| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKD, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 1.97% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD, SUITE 2300 MICHIGAN, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.87% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.12% |
| CAMERON M KENNEDY3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.86% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD., SUITE 2300 MICHIGAN, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.10% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | — | $265 | $265 | 0.14% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | — | $3K | $3K | 2.70% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.09% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $638 | — | $638 | 2.01% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $1K | — | $1K | 6.61% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $505 | — | $505 | 2.51% |
| CAMBIRDGE CONSULTING GROUP, LLC3 | 400 W FOURTH STREET, SUITE 300 ROYAL OAKS, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158 | — | $158 | 2.44% |
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 | 288 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 282 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 367 | $117K |
| Vision | EYEMED VISION CARE | 277 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $32K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 282 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.