| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE BILL3 | MSC#17982 PO BOX 1447 LINCOLNSHIRE, IL 60069 | BLUE CARE NETWORK OF MICHIGAN | $21K | $0 | $21K | 0.72% |
| JON SNEAD3 Filed as: JON D SNEAD | 38 COMMERCE SW STE 400 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 0.31% |
| CAMERON M KENNEDY3 | 400 W FORTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.25% |
| CHRISTINE BILL3 | MSC#17382 PO BOX 1447 LINCOLNSHIRE, IL 60069 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.59% |
| CAMERON M KENNEDY3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $894 | $0 | $894 | 0.26% |
| JON SNEAD3 Filed as: JON D SNEAD | 38 COMMERCE SW STE 400 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $892 | $0 | $892 | 0.26% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STSTE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 4.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DETROIT | 3000 TOWN CENTER SOUTHFILED, MI 480865115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 1.91% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $591 | $6K | 9.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DETROIT | 3000 TOWN CENTER SOUTHFILED, MI 480865115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $407 | $5K | 8.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 5.89% |
| AON CONSULTING INC3 Filed as: AON HEWITT - SOUTHFIELD MI | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.92% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 708 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 843 | $284K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 842 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $302K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $241K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $241K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 708 | $3.3M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.