| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $0 | $43K | 2.49% |
| ROBERT E VOGELEI3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.27% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | MUTUAL OF OMAHA | $13K | $7K | $19K | 10.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | MUTUAL OF OMAHA | $0 | $3K | $3K | 1.56% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $2K | $0 | $2K | 9.85% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 309 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 331 | $98K |
| Vision | EYEMED VISION CARE | 298 | $24K |
| Life insurance | MUTUAL OF OMAHA | 263 | $184K |
| Short-term disability | MUTUAL OF OMAHA | 263 | $184K |
| Long-term disability | MUTUAL OF OMAHA | 263 | $184K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 309 | $1.7M |
| Other | MUTUAL OF OMAHA | 263 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.