| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | HARTFORD LIFE AND ACCIDENT | $143K | — | $143K | 10.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGHT RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 1.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | — | $5K | $5K | 0.55% |
| CAMERON M KENNEDY3 | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $70K | — | $70K | 25.81% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W. FOURTH ST., STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $37K | $37K | 13.84% |
| 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 | $334 | — | $334 | 4.75% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $333 | — | $333 | 4.73% |
| JANE TUNE4 | 719 CYNTHIA DR. SANDWICH, IL 60548 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $323 | — | $323 | 4.59% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR STE 200 ROCKESTER HILLS, MI 48307 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $102 | — | $102 | 1.45% |
| PARRISH & ASSOCIATES4 | 4959 MEADOWBROOK RD BIRMINGHAM, AL 35242 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $39 | — | $39 | 0.55% |
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 | 3,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 265 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 3,813 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,609 | $485K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,017 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,017 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,017 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,017 | — |
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.