| 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 | $39K | $500 | $40K | 2.60% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $324 | $7K | 20.99% |
| 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 | $146 | $2K | 16.20% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $236 | $3K | 22.05% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $138 | $2K | 16.47% |
| 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 | $131 | $1K | 16.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE CO | $529 | $101 | $630 | 23.83% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 328 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 328 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 328 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 137 | $44K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 135 | $20K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 328 | $1.5M |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 137 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.