| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFIT SERVICES | 30150 TELEGRAPH SITE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $84K | $11K | $95K | 17.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | VISION SERVICE PLAN | $19K | $55K | $74K | 39.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $20K | $3K | $23K | 16.90% |
| PATRICK J FLYNN3 Filed as: PATRICK FLYNN | 3001 W BIG BEAVER RD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 18.91% |
| MICHAEL NIXON3 Filed as: MICHAEL D FLYNN | 3001 W BIG BEAVER RD STE 100 TROY, MI 48084 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.66% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC. | 3001 W BIG BEAVER ROAD STE 100 TROY, MI 48073 | METROPOLITAN LIFE INSURANCE COMPANY | $415 | $0 | $415 | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | CIGNA GROUP INSURANCE | $4K | $473 | $4K | 16.87% |
| 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 | $321 | $30 | $351 | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $30 | $30 | — |
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 | 2,075 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,353 | $191K |
| Life insurance | CIGNA GROUP INSURANCE | 2,553 | $559K |
| Long-term disability | CIGNA GROUP INSURANCE | 1,089 | $135K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,091 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,553 | — |
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.