| 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 | $160K | $0 | $160K | 10.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGHT RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 1.12% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 W 4TH ST CAMERON KENNEDY ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $0 | $2K | $2K | 0.26% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | $0 | $49K | 174.42% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 480678067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $39K | $0 | $39K | 137.33% |
| JANE TUNE4 | 719 CYNTHIA DR. SANDWICH, IL 60548 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $483 | $0 | $483 | 10.79% |
| TONYA DEAN PETRILL4 | 1613 LOOKOUT CIR WAXHAW, NC 28173 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $334 | $0 | $334 | 7.46% |
| 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 | $308 | $0 | $308 | 6.88% |
| DENNIS W MCVITTIE JR4 | 43749 DORISA CT NORTHVILLE, MI 48167 | PREPAID LEGAL SERVICES, INC DBA LEGALSHIELD | $116 | $0 | $116 | 2.59% |
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 | 2,937 | 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) | 2,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 3,983 | $896K |
| Vision(2 contracts, 2 carriers) | EYE MED VISION CARE | 3,650 | $217K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,943 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,943 | $1.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,943 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,983 | — |
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.