| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 Filed as: JONATHAN POPE | 101 WEST BIG BEAVER, STE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 3.16% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.35% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LIONCOLN NATIONAL LIFE INSURANCE CO | $2K | $3K | $5K | 10.04% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $1K | $4K | 9.67% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $167 | $5K | 20.72% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 WEST BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $187 | $3K | 21.33% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $125 | $2K | 16.06% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $982 | $48 | $1K | 15.73% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | $43 | $1K | 20.75% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 101 W BIG BEAVER, STE 600 TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE CO | $718 | $43 | $761 | 21.20% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 327 | $1.2M |
| Dental(2 contracts, 2 carriers) | LIONCOLN NATIONAL LIFE INSURANCE CO | 95 | $88K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 121 | $37K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 121 | $7K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 77 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 327 | $1.2M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 121 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.