| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 3000 TOWN CTR STE 2900 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101K | $322 | $101K | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $12K | 1.80% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET P.O BOX 1116 HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62K | — | $62K | 17.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 9.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BNFT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $6K | $6K | 1.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $24K | — | $24K | 9.97% |
| PATRICK E FLYNN3 | 3001 W BIG BEAVER RD. STE. 100 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 20.00% |
| IRA BROKERAGE INC.3 | 34119 W 12 MILE RD. STE. 330 FARMINGTON HILLS, MI 48331 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 12.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 3000 TOWN CTR STE 2900 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $70 | $27K | 15.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $988 | $3K | 1.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 3000 TOWN CTR STE 2900 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $17 | $6K | 16.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $428 | $190 | $618 | 1.60% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET P.O BOX 1116 HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 25.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 SUITE 605 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $322 | $322 | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 30150 TELEGRAPH STE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $17 | $17 | — |
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 | 2,893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $0 |
| Dental | HEALTH RESOURCES, INC. | 1,403 | $324K |
| Vision | VISION SERVICE PLAN | 1,650 | $241K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,227 | $674K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,270 | $364K |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,812 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.