| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES BULLOCK3 Filed as: JAMES T FLYNN | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 2.99% |
| STRATEGIC BENEFITS NETWORK LLC3 | 5797 HARVEY STREET SUITE A NORTON SHORES, MI 49444 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.44% |
| JAMES BULLOCK3 Filed as: JAMES T FLYNN | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 3.02% |
| STRATEGIC BENEFITS NETWORK LLC3 | 5797 HARVEY STREET SUITE A NORTON SHORES, MI 49444 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.74% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN AND COMPANY EMPLOYEE BENEFIT | 3001 WEST BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.47% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & CO EMPLOYEE BENEFIT SVCS | 3001 WEST BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & CO EMPLOYEE BENEFIT SVCS | 3001 WEST BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.95% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & CO EMPLOYEE BENEFIT SVCS | 3001 WEST BIG BEAVER ROAD SUITE 100 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $636 | — | $636 | 10.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 122 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $60K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 122 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.