| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | $0 | $62K | 2.98% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 JONATHAN M POPE ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.11% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 2.89% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.84% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $615 | $615 | 1.18% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.65% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $552 | $552 | 1.10% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.76% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $558 | $558 | 1.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $879 | $3K | 9.56% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $366 | $366 | 1.07% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 WEST FOURTH ST STE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE | $2K | $0 | $2K | 10.10% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $347 | $169 | $516 | 10.40% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $71 | $71 | 1.43% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | MUTUAL OF OMAHA | $177 | $85 | $262 | 10.38% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | MUTUAL OF OMAHA | $0 | $35 | $35 | 1.39% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 274 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 316 | $100K |
| Vision | EYEMED VISION CARE | 289 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $102K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $53K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 274 | $2.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.