| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $74K | $6K | $79K | 15.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, MI 60143 | VISION SERVICE PLAN | $18K | — | $18K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $17K | $1K | $18K | 15.93% |
| PATRICK J FLYNN3 Filed as: PATRICK FLYNN | 3001 W BIG BEAVER STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.59% |
| MICHAEL NIXON3 Filed as: MICHAEL FLYNN | 3001 W BIG BEAVER STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.66% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W BIG BEAVER STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $8K | $280 | $8K | 36.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $886 | $15 | $901 | 15.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA LIFE INSURANCE CO OF NEW YORK | $212 | $11 | $223 | 10.50% |
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 | 2,185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,427 | $178K |
| Life insurance | CIGNA GROUP INSURANCE | 2,727 | $521K |
| Long-term disability | CIGNA GROUP INSURANCE | 1,027 | $114K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,185 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,727 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.