| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 7.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 32255 NORTHWESTERN HWY STE 201 FARMINGTON HILLS, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | $316 | $1K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 32255 NORTHWESTERN HWY STE 201 FARMINGTON HILLS, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $565 | $7K | 13.25% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL SERVICES | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $507 | $59 | $566 | 1.02% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 CAMERON KENNEDY ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 4.67% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST ROBERT VOGELEI STE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $756 | $0 | $756 | 2.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | VISION SERVICE PLAN | $780 | $0 | $780 | 8.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | PO BOX 416719 BOSTON, MA 02241 | VISION SERVICE PLAN | -$38 | $0 | -$38 | -0.42% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 110 | $35K |
| Vision | VISION SERVICE PLAN | 71 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $104K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $159K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.