| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | MCLAUREN | $10K | $0 | $10K | 2.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $807 | $807 | 5.07% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $168 | $168 | 1.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | VISION SERVICE PLAN | $836 | $0 | $836 | 6.78% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $611 | $611 | 6.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $127 | $127 | 1.30% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $412 | $412 | 5.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $86 | $86 | 1.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $278 | $278 | 5.20% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $58 | $58 | 1.09% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $370 | $99 | $469 | 19.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $271 | $72 | $343 | 18.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAUREN | 99 | $483K |
| Vision | VISION SERVICE PLAN | 78 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $8K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.