| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 480672557 | PRINCIPAL LIFE INSURANCE COMPANY | $140K | — | $140K | 12.10% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD STE 300 BRIGHTON, MI 48116 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 1.13% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 9.65% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE, STE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.99% |
| STRATEGIC ENROLLMENT SVCS INC3 Filed as: STRATEGIC ENROLLMENT SVCS | 1205 LOUISIANA AVE, STE 441 PERRYSBURG, OH 43552 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 3.97% |
| CAMERON M KENNEDY3 Filed as: CAMERON KENNEDY | CAMBRIDGE CONSULTING GROUP, LLC 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 480672557 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 3.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 | SUITE 300 400 WEST FOURTH ST ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 7.78% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | PREPAID LEGAL SERVICES | $4K | — | $4K | 8.05% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES | $3K | — | $3K | 6.38% |
| ALI C SANDERS4 Filed as: ALI SANDERS | 37244 S HEATHER CT WESTLAND, MI 48185 | PREPAID LEGAL SERVICES | $2K | — | $2K | 4.07% |
| SHARLA T. PATRICK4 Filed as: SHARLA T PATRICK | 214 KEOWEE CT SUMMERVILLE, SC 29486 | PREPAID LEGAL SERVICES | $1K | — | $1K | 2.48% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR, STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES | $1K | — | $1K | 2.11% |
| ANTHONY JOSEPH MOTTER4 Filed as: ANTHONY M LLOYD INC | DBA STRATEGIC ENROLLMENT SVCS 11201 SANDUSKY ST, STE 201Q PERRYSBURG, OH 43551 | PREPAID LEGAL SERVICES | $946 | — | $946 | 1.79% |
| ACHIEVEMENT GROUP INTERNATIONAL LLC4 | P.O. BOX 449 LAKE ORION, MI 48361 | PREPAID LEGAL SERVICES | $68 | — | $68 | 0.13% |
| BETH TAYLOR4 | 2252 BEACH DR, APT 1906 GULFPORT, MS 39507 | PREPAID LEGAL SERVICES | $64 | — | $64 | 0.12% |
| RACHAEL LINDSAY ROSE4 | 7148 LAVENDER LN WATERFORD, MI 48327 | PREPAID LEGAL SERVICES | $42 | — | $42 | 0.08% |
| WILLIAM C. BYRD4 Filed as: WILLIAM C BYRD | 18161 FILMORE ST SOUTHFIELD, MI 48075 | PREPAID LEGAL SERVICES | $31 | — | $31 | 0.06% |
| BRIAN FEEHELEY4 | P.O. BOX 710 RINGGOLD, LA 71068 | PREPAID LEGAL SERVICES | $25 | — | $25 | 0.05% |
| STEVEN J BARNES4 | 1252 SANDUSKY ST ASHLAND, OH 44805 | PREPAID LEGAL SERVICES | $21 | — | $21 | 0.04% |
| LEONARD W CAHOON4 | 4795 S. CHURCH ST EXT, STE 2 ROEBUCK, SC 29376 | PREPAID LEGAL SERVICES | $15 | — | $15 | 0.03% |
| AMBER HALLIGAN4 | 720 BRIARCLIFF DR MINOOKA, IL 60447 | PREPAID LEGAL SERVICES | $12 | — | $12 | 0.02% |
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 | 2,385 | 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) | 2,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 138 | $60K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 961 | $83K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,444 | $1.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 701 | $397K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,444 | $1.2M |
| Other | PREPAID LEGAL SERVICES | 385 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,444 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.