Welfare broker

CAMBRIDGE CONSULTING GROUP LLC

Mailing address (most recent filing)

400 W 4TH STREET

SUTE 300

ROYAL OAK, MI 48067

Total comp: $3.6M
Commissions: $3.0M
Fees: $614K
Filings: 163
Sponsors: 163

Carrier mix

Where CAMBRIDGE CONSULTING GROUP LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA21.4%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY14.3%
DELTA DENTAL OF CALIFORNIA14.3%
UNITEDHEALTHCARE INSURANCE COMPANY7.1%
HARTFORD LIFE AND ACCIDENT7.1%
TELADOC7.1%
METROPOLITAN LIFE INSURANCE COMPANY7.1%
HEALTH ALLIANCE PLAN7.1%
Other (2)14.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	3	$1.4M	21.4%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$594K	14.3%
DELTA DENTAL OF CALIFORNIA	2	$3.8M	14.3%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.1M	7.1%
HARTFORD LIFE AND ACCIDENT	1	$3.0M	7.1%
TELADOC	1	$14K	7.1%
METROPOLITAN LIFE INSURANCE COMPANY	1	$85K	7.1%
HEALTH ALLIANCE PLAN	1	$4.9M	7.1%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$1.8M	7.1%
BLUE CROSS OF CALIFORNIA	1	$9.1M	7.1%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	15	$29.0M	0.5%	38.62x
TX	1	$2.1M	0.0%	1.04x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CAMBRIDGE CONSULTING GROUP LLC's plans by broker comp / premium ratio. Median 10.50% vs welfare-wide median 6.35% (n=16).

Prospect-flag exposure · vs market baseline

Share of CAMBRIDGE CONSULTING GROUP LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-16 of 16 sponsors where CAMBRIDGE CONSULTING GROUP LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TEIJIN AUTOMOTIVE TECHNOLOGIES, INC TEIJIN AUTOMOTIVE TECHNOLOGIES WELFARE PLAN	MI	$3.0M	$277K	THE HARTFORD
BELLE TIRE DISTRIBUTORS INC BELLE TIRE DISTRIBUTORS INC HEALTH BENEFITS PLAN	MI	$1.8M	$271K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
MEDSTAR AMBULANCE MEDSTAR INC. HEALTH PLAN	MI	$4.9M	$140K	HEALTH ALLIANCE PLAN
INSIGHT MANAGEMENT AND CONSULTING SERVICES, INC INSIGHT MANAGEMENT AND CONSULTING SERVICES, INC. WELFARE BENEFITS PLAN	MI	$973K	$135K	DELTA DENTAL OF MICHIGAN
MCNAUGHTON-MCKAY ELECTRIC COMPANY MCNAUGHTON-MCKAY ELECTRIC COMPANY GROUP BENEFIT PLAN	MI	$2.8M	$132K	DELTA DENTAL OF MICHIGAN
GARBER MANAGEMENT GROUP, INC. GARBER EMPLOYEE BENEFIT PLAN	MI	$1.1M	$130K	UNUM LIFE INSURANCE COMPANY OF AMERICA
DES-CLAW, LLC DES-CLAW, LLC WELFARE BENEFIT PLAN	MI	$1.1M	$68K	ALLIANCE HEALTH AND LIFE INSURANCE COMPANY
PLUM MARKET CORPORATION, INC. PLUM MARKET CORPORATION, INC.	MI	$3.3M	$63K	AETNA LIFE INSURANCE CO.
D. REYNOLDS COMPANY LLC THE REYNOLDS COMPANY WELFARE BENEFIT PLAN	TX	$2.1M	$57K	UNITEDHEALTHCARE INSURANCE COMPANY
LIQUID WEB LLC LIQUID WEB GROUP BENEFIT PLAN	MI	$308K	$50K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
HOWARD & HOWARD ATTORNEYS PLLC HOWARD & HOWARD ATTORNEYS PLLC LIFE INSURANCE PLAN	MI	$230K	$32K	UNUM LIFE INSURANCE COMPANY OF AMERICA
SAGA COMMUNICATIONS, INC SAGA COMMUNICATIONS, INC. EMPLOYEE BENEFITS PROGRAM	MI	$286K	$21K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
L5 FITNESS HOLDINGS LLC L5 FITNESS HOLDINGS LLC UNUM PLAN	MI	$85K	$13K	METROPOLITAN LIFE INSURANCE COMPANY
ASH STEVENS, LLC PRIMAL PHARMA LIMITED HEALTH AND WELFARE PLAN	MI	$9.1M	$8K	BLUE CROSS BLUE SHIELD OF MICHIGAN
ASKAR MANAGEMENT GROUP, LLC ASKAR MANAGEMENT GROUP, LLC, PAPA ROMANO'S ENTERPRISES, LLC, BREADEAUX,S PISA, LLC, STUCCHI'S MANUFACTURING PLANT , LLC GROUP HEALTH PLAN	MI	$44K	$7K	UNUM LIFE INSURANCE COMPANY
HOWARD & HOWARD ATTORNEYS PLLC HOWARD & HOWARD ATTORNEYS PLLC EMPLOYEE ASSISTANCE PLAN	MI	$14K	$2K	TELADOC HEALTH, INC