| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 325 NORTH OLD WOODWARD AVENUE, SUITE 37 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 1.09% |
| JONATHAN M POPE3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 0.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | — | $900 | $900 | 0.03% |
| ROBERT E VOGELEI3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $897 | — | $897 | 0.03% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.14% |
| ROBERT E VOGELEI3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 7.76% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 7.61% |
| ELAINE C. COFFMAN3 Filed as: ELAINE C COFFMAN | 325 NORTH OLD WOODWARD AVENUE, SUITE 37 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 3.41% |
| JONATHAN M POPE3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $142 | — | $142 | 0.29% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $94 | $2K | 8.66% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $655 | $170 | $825 | 3.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $107 | $107 | 0.50% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $779 | — | $779 | 19.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $42 | $42 | 1.08% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $518 | — | $518 | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $22 | $22 | 0.64% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 10.23% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10 | $10 | 5.68% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10 | — | $10 | 15.15% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6 | $6 | 9.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $18 | $18 | 30.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST 4TH STREET, SUITE 300 ROYAL OAK, MI 48067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISOLVED ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 889 COLDWATER, MI 49036 | $8K |
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 | 1,460 | 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) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 651 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 433 | $342K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 651 | $48K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,460 | $72K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $50K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 651 | $48K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,460 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,460 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.