| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 13.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 101 BIG BEAVER SUITE 600 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$393 | -$45 | -$438 | -0.23% |
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 9.12% |
| MMA SERVICE CORP3 | 620 S CAPITAL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FORTH ST ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $70 | $1K | 0.79% |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 645 | $187K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $193K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $193K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $193K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.