| 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 | — | $114K | $114K | 15.79% |
| 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 | — | $17 | $17 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | $1K | $39K | 9.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $2K | $24K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 3.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $31K | — | $31K | 9.98% |
| 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 | $67K | $20K | $87K | 34.09% |
| 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 | — | $49K | $49K | 19.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE STE 2900 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $2K | $39K | 15.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL STE 2900 CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $327 | $7K | 15.75% |
| 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 | $200 | $3K | 17.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, ID 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | $19 | $168 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 SUITE 605 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.76% |
| 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 | — | $11 | $11 | — |
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 | 2,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,170 | $14K |
| Dental | PARAMOUNT DENTAL | 1,308 | $241K |
| Vision | VISION SERVICE PLAN | 1,792 | $308K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,559 | $724K |
| Long-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,023 | $530K |
| Other(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,170 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,559 | — |
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.