| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERARD MISERENDINO3 Filed as: GERARD J MISERENDINO AND ASSOC | 18538 MACK AVE GROSSE POINTE FARMS, MI 48236 | ALLIANCE HEALTH AND LIFE INSURANCE CO | $42K | — | $42K | 3.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE CO | $1K | — | $1K | 0.10% |
| GERARD MISERENDINO3 Filed as: GERARD J MISERENDINO AND ASSOC | 18538 MACK AVE GROSSE POINTE FARMS, MI 48236 | METROPOLITAN LIFE INSURANCE CO | $20K | — | $20K | 5.92% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE CO | $4K | — | $4K | 1.06% |
| G J MISERENDINO AND ASSOC3 | 18538 MACK AVENUE GROSSE POINTE FARMS, MI 48236 | FSL | $2K | — | $2K | 8.06% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | FSL | $386 | — | $386 | 1.93% |
| TRACY KATZ LLC4 Filed as: TRACY KATZ | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 34.21% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 21.46% |
| GERARD MISERENDINO4 Filed as: GERARD J MISERENDINO | 18538 MACK AVE GROSSE POINTE FARMS, MI 48236 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | — | $38 | 0.61% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE CO | 420 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE CO | 666 | $345K |
| Vision | FSL | 436 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 666 | $345K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 666 | $345K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO | 666 | $345K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 666 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.