| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 480843102 | AETNA LIFE INSURANCE CO. | $33K | — | $33K | 1.50% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 4.00% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| DENNIS J. FLYNN3 | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 480843102 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.71% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 480843102 | METROPOLITAN LIFE INSURANCE COMPANY | $952 | — | $952 | 2.27% |
| NATIONAL BENEFIT SYSTEMS3 | 1060 MAITLAND CENTER COMMONS BLVD - 201 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $408 | — | $408 | 2.56% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | TRUSTMARK INSURANCE COMPANY | $26 | — | $26 | 0.16% |
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 | 4,553 | 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) | 4,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 35 | $407K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 35 | $407K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 4,540 | $2.2M |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,573 | $517K |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 4,540 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,540 | — |
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.