| 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. | $99K | — | $99K | 7.48% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $15K | — | $15K | 2.23% |
| 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 | $7K | — | $7K | 2.76% |
| 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 | $2K | — | $2K | 6.58% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS MCVITTIE JR | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | — | $1K | 3.59% |
| JANE TUNE4 | 719 CYNTHIA DR. SANDWICH, IL 60548 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $847 | — | $847 | 2.37% |
| ALI C SANDERS4 | 37244 S. HEATHER CT WESTLAND, MI 48185 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $798 | — | $798 | 2.23% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | STE 200 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $252 | — | $252 | 0.71% |
| ANTHONY JOSEPH MOTTER4 Filed as: ANTHONY M. LLOYD INC. | 11201 SANDUSKY ST. STE 201 PERRYSBURG, OH 43551 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $161 | — | $161 | 0.45% |
| PARRISH & ASSOCIATES4 | 4959 MEADOWBROOK RD BIRMINGHAM, AL 35242 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $161 | — | $161 | 0.45% |
| SHARLA T. PATRICK4 Filed as: SHARLA T PATRICK | 3858 WALNUT GROVE WAY GAINESVILLE, GA 30506 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $134 | — | $134 | 0.38% |
| WILLIAM C. BYRD4 | APT 132 30272 SOUTHFIELD RD. SOUTHFIELD, MI 48076 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $34 | — | $34 | 0.10% |
| ACHIEVEMENT GROUP INTERNATIONAL LLC4 | PO BOX 449 LAKE ORION, MI 48361 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $21 | — | $21 | 0.06% |
| RACHAEL LINDSAY ROSE4 | 7148 LAVENDER LN WATERFORD, MI 48327 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $16 | — | $16 | 0.04% |
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 | 3,080 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 3,597 | $936K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,361 | $446K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,746 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,746 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,746 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,597 | — |
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.