| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 W FORUTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 1.92% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 13.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FORTH ST ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $16K | 12.10% |
| MMA SERVICE CORP3 | 620 S CAPITAL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.74% |
| JONATHAN M POPE3 | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 1.95% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | 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 | 343 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $136K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 343 | $1.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $201K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $201K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $201K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 343 | $1.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.