| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 1.35% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH ST STE 300 ROYAL OAK, MI 48067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | $0 | $66K | 6.56% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | NATIONAL VISION ADMINISTRATORS, LLC | $6K | $0 | $6K | 10.00% |
| TRACY KATZ LLC4 Filed as: TRACY KATZ | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | $0 | $8K | 19.82% |
| GERARD MISERENDINO4 Filed as: GERARD J MISERENDINO & ASSOCIATES | 18538 MACK AVE GROSSE POINTE FARMS, MI 48236 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 6.59% |
| CAMBRIDGE CONSULTING GROUP LLC4 Filed as: CAMBRIDGE CONSULTING GRP | 400 W 4 ST STE 300 ROYAL OAK, MI 48067 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $396 | $0 | $396 | 0.95% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 1,052 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $1.0M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,043 | $61K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $1.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $1.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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."
No prospect flags tripped on this filing.