| 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 | $113K | — | $113K | 3.12% |
| ENTERTAINMENT BENEFITS GROUP, LLC3 Filed as: ENTERTAINMENT BENEFITS GROUP LLC | DBA BENEPLACE 19495 BISCAYNE BOULEVARD,SUITE 300 AVENTURA, FL 33180 | METROPOLITAN GENERAL INSURANCE COMPANY | $15K | $0 | $15K | 11.06% |
| AMERICAN BENEFITS CONSULT7 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 15.00% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $176 | — | $176 | 1.17% |
| DENNIS J. FLYNN3 | 3001 W. BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $106 | — | $106 | 0.71% |
| NATIONAL BENEFIT SYSTEMS3 | 1060 MAITLAND CENTER COMMONS BLVD - 210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $260 | — | $260 | 2.44% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY | 3001 W. BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | TRUSTMARK INSURANCE COMPANY | $17 | — | $17 | 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 | 8,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 9 | $165K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 9 | $165K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,547 | $3.6M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,547 | $3.7M |
| Other(6 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,547 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,547 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.