| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E VOGELEI3 Filed as: ROBERT J CIESLAK | 400 W FOURTH ST SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 3.65% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $6 | $7K | 10.01% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W 4TH STREET STE 400 ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.74% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MA 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.05% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 787466446 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $438 | $438 | 0.85% |
| CAMDRIDGE CONSULTING GROUP, LLC3 | 400 W 4TH ST SUITE 300 ROYAL OAK, MI 48067 | VISION SERVICE PLAN | $806 | $0 | $806 | 5.29% |
| KANE MOSTYN INSURANCE AGENCY3 Filed as: KANE MOSTYN INSURANCE AGENCY INC | 5777 W MAPLE ROAD SUITE 185 W BLOOMFIELD, MI 48322 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | 1.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES INC | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 1.11% |
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 | 223 | 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. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 131 | $715K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 85 | $74K |
| Vision | VISION SERVICE PLAN | 80 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $51K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 131 | $715K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.