| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | THE HARTFORD | $197K | $0 | $197K | 10.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE HARTFORD | $0 | $54K | $54K | 2.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE HARTFORD | $0 | $25K | $25K | 1.26% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $144 | $0 | $144 | 5.02% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $101 | $0 | $101 | 3.52% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK RD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $43 | $0 | $43 | 1.50% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES, INC | STE 200 245 BARCLAY CIRCLE ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $24 | $0 | $24 | 0.84% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA COURT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES DBA LEGAL SHIELD | $22 | $0 | $22 | 0.77% |
| PETRILL AND ASSOCIATES LLC4 Filed as: PETRILL AND ASSOCIATES, LLC | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $95 | — | $95 | 5.84% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES, INC | STE 200 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $53 | $0 | $53 | 3.26% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST SUITE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $46 | — | $46 | 2.83% |
| AES LLC DBA STRATEGIC ENROLLMENT4 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $26 | — | $26 | 1.60% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $26 | $0 | $26 | 3.54% |
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 | 2,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 218 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,321 | $858K |
| Vision | EYEMED VISION CARE | 3,359 | $175K |
| Life insurance | THE HARTFORD | 3,151 | $2.0M |
| Short-term disability | THE HARTFORD | 3,151 | $2.0M |
| Long-term disability | THE HARTFORD | 3,151 | $2.0M |
| Other(5 contracts, 5 carriers) | THE HARTFORD | 3,151 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,359 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.