| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 Filed as: JONATHAN POPE | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $480 | $44K | 3.28% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL | 400 WEST FOURTH ST, STE 300 ROYAL OAKS, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $58 | $6K | 20.19% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $35 | $3K | 20.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $16 | $2K | 15.14% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | $25 | $1K | 15.28% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICE | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | $173 | $2K | 23.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $608 | $9 | $617 | 20.30% |
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 | 234 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 329 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 329 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 154 | $44K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 154 | $21K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 26 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 329 | $1.3M |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 154 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.