| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | $14K | $69K | 3.42% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 0.52% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 4.00% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 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 | $906 | — | $906 | 3.55% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | — | $201 | 0.79% |
| NATIONAL BENEFIT SYSTEMS3 | 1060 MAITLAND CENTER COMMONS BLVD - 210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $323 | — | $323 | 2.21% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | TRUSTMARK INSURANCE COMPANY | $19 | — | $19 | 0.13% |
| AMERICAN BENEFITS CONSULT7 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23 | — | $23 | — |
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 | 8,331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 28 | $500K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 28 | $500K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,069 | $2.0M |
| Long-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,734 | $828K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,209 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.