| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $83K | $8K | $91K | 16.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | VISION SERVICE PLAN | $19K | — | $19K | 10.00% |
| PATRICK J FLYNN3 Filed as: PATRICK FLYNN | 3001 W BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 17.14% |
| MICHAEL NIXON3 Filed as: MICHAEL D FLYNN | 3001 W BIG BEAVER ROAD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.67% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC. | 3001 W BIG BEAVER ROAD STE 100 TROY, MI 48073 | METROPOLITAN LIFE INSURANCE COMPANY | $814 | $0 | $814 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $19K | $2K | $21K | 16.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $3K | $323 | $4K | 16.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| 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 | $184 | $20 | $204 | 11.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $20 | $20 | — |
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 | 2,149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,390 | $189K |
| Life insurance | CIGNA GROUP INSURANCE | 2,688 | $552K |
| Long-term disability | CIGNA GROUP INSURANCE | 1,101 | $126K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,156 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,688 | — |
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.