| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | AETNA LIFE INSURANCE CO. | $230K | $20K | $250K | 15.99% |
| 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 | $8K | — | $8K | 3.25% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W 4TH ST, STE 300 ROYAL OAK, MI 48067 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $7K | — | $7K | 8.46% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W. MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $4K | — | $4K | 4.73% |
| JANE TUNE4 | 719 CYNTHIA DRIVE SANDWICH, IL 60548 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $3K | — | $3K | 3.31% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35203 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | — | $2K | 2.53% |
| ALI C SANDERS4 Filed as: ALI SANDERS | 37244 S HEATHER CT WESTLAND, MI 48185 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | — | $2K | 2.48% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR, STE 200 ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $680 | — | $680 | 0.88% |
| ANTHONY JOSEPH MOTTER4 Filed as: ANTHONY M LLOYD INC | DBA STRATEGIC ENROLLMENT SVCS 11201 SANDUSKY ST, STE 201Q PERRYSBURG, OH 43551 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $412 | — | $412 | 0.53% |
| SHARLA T. PATRICK4 Filed as: SHARLA T PATRICK | 214 KEOWEE CT SUMMERVILLE, SC 29486 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $307 | — | $307 | 0.40% |
| ACHIEVEMENT GROUP INTERNATIONAL LLC4 | P.O. BOX 449 LAKE ORION, MI 48361 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $72 | — | $72 | 0.09% |
| WILLIAM C. BYRD4 Filed as: WILLIAM C BYRD | 18161 FILMORE ST SOUTHFIELD, MI 48075 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $47 | — | $47 | 0.06% |
| STEVEN J BARNES4 | 1252 SANDUSKY ST ASHLAND, OH 44805 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $32 | — | $32 | 0.04% |
| RACHAEL LINDSAY ROSE4 | 7148 LAVENDER LN WATERFORD, MI 48327 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $20 | — | $20 | 0.03% |
| BRIAN FEEHELEY4 | P.O. BOX 710 RINGGOLD, LA 71068 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $8 | — | $8 | 0.01% |
| LEONARD W CAHOON4 | 4795 S. CHURCH ST EXT, STE 2 ROEBUCK, SC 29376 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $7 | — | $7 | 0.01% |
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 | 2,422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 3,313 | $846K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,227 | $247K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,422 | $1.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,422 | $1.6M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,422 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,313 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.