| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104K | $5K | $109K | 15.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2601 CAMBRIDGE COURT, SUITE 435 AUBURN HILLS, MI 48326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $21 | $21 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | $2K | $41K | 10.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 3.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $282 | $13K | 3.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $28K | — | $28K | 10.82% |
| PATRICK E FLYNN3 | 3001 W BIG BEAVER RD. STE. 100 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $27K | $5K | $32K | 13.90% |
| IRA BROKERAGE INC.3 | 34119 W 12 MILE RD. STE. 330 FARMINGTON HILLS, MI 48331 | STANDARD INSURANCE COMPANY | $24K | $797 | $25K | 10.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE STE 2900 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $1K | $32K | 15.70% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W BIG BEAVER RD., SUITE 100 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $16K | $38K | 47.29% |
| FLYNN & CO EMPLOYEE BENEFIT SERVICE3 Filed as: FLYNN & COMPANY INC | 3001 W BIG BEAVER RD., SUITE 100 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL STE 2900 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $268 | $6K | 15.65% |
| PATRICK E FLYNN3 | 3001 W BIG BEAVER RD., STE. 100 TROY, MI 48084 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 39.49% |
| IRA BROKERAGE INC.3 | 34119 W 12 MILE RD., STE. 330 FARMINGTON HILLS, MI 48331 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 28.31% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $254 | $3K | 18.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 SUITE 605 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $630 | $16 | $646 | 12.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2601 CAMBRIDGE COURT, SUITE 435 AUBURN HILLS, MI 48326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | — | $159 | 3.02% |
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 | 3,007 | 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) | 3,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,007 | $14K |
| Dental | PARAMOUNT DENTAL | 1,379 | $252K |
| Vision | VISION SERVICE PLAN | 1,789 | $259K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,273 | $698K |
| Long-term disability(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,196 | $541K |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,007 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,273 | — |
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.