| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $77K | — | $77K | 4.80% |
| GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE OF AMERICA | $8K | — | $8K | 7.51% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $488 | — | $488 | 1.93% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | EYE MED VISION CARE | — | $2K | $2K | 10.00% |
| GREG BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.77% |
| GREG BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY OF AMERICA | $5K | — | $5K | — |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 286 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 378 | $25K |
| Vision | EYE MED VISION CARE | 319 | $22K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 46 | $103K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 46 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.