| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 1.50% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 4.83% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.50% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 9.59% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, ME 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.00% |
| DENNIS J. FLYNN3 | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $294 | — | $294 | 0.84% |
| NATIONAL BENEFIT SYSTEMS3 | 1060 MAITLAND CENTER COMMONS BLVD - 201 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $144 | — | $144 | 0.93% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | TRUSTMARK INSURANCE COMPANY | $6 | — | $6 | 0.04% |
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 | 7,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 130 | $553K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 130 | $553K |
| Life insurance(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 4,631 | $2.7M |
| Long-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,624 | $594K |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE CO. | 7,468 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,468 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.