| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | HARTFORD LIFE AND ACCIDENT | $199K | $0 | $199K | 10.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 1.25% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $89 | $0 | $89 | 3.26% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 1.76% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK RD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $43 | $0 | $43 | 1.58% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 1.36% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.88% |
| DENNIS W MCVITTIE JR4 Filed as: DENNIS W MCVITTIE | 43749 DORISA CT NORTHVILLE, MI 48167 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.84% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $87 | $0 | $87 | 3.92% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 3.88% |
| JANE TUNE3 | 719 CYNTHIA DR SANDWICH, IL 60548 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | $0 | $77 | 3.47% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 3.16% |
| AES LLC DBA STRATEGIC ENROLLMENT4 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 1.58% |
| JANE TUNE4 | 719 CYNTHIA DR SANDWICH, IL 60548 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 6.40% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 4.13% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 3.60% |
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 | 3,184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 141 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 3,673 | $874K |
| Vision | EYE MED VISION CARE | 3,468 | $226K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,184 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,184 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,184 | $2.0M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,184 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,673 | — |
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.