| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $87K | $891 | $88K | 5.25% |
| GREG BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.72% |
| GREG BROGAN3 | 320 W LAKE LANSING EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 9.96% |
| GREG BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GREG BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED | $2K | — | $2K | 9.98% |
| GREG BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY | $2K | $272 | $2K | 16.91% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 292 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 379 | $174K |
| Vision | EYEMED | 331 | $22K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY | 58 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 46 | $36K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY | 58 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.