| 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 | $105K | — | $105K | 5.94% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | $335 | $9K | 4.94% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 9.33% |
| BROGAN INSURANCE3 Filed as: BROGAN GREGORY D | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM | $4K | — | $4K | 9.99% |
| COVERY INS SERVICES INC3 | BUILDING 1 STE 200 3100 WEST ROAD EAST LANSING, MI 48823 | UNUM | $2K | — | $2K | 4.83% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING ROAD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.11% |
| BORGAN, GREGORY D3 | 321 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $413 | $4K | 16.03% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | $2K | — | $2K | 10.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | STE 1100 5600 WEST 83RD STREET 8200 TOWER BLOOMINGTON, MN 55437 | UNUM | $678 | — | $678 | 12.64% |
| AON CONSULTING INC3 | STE 1100 5600 WEST 83RD STREET 8200 TOWER BLOOMINGTON, MN 55437 | UNUM | $109 | $14 | $123 | 2.29% |
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 | 295 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 381 | $176K |
| Vision | EYEMED | 324 | $22K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $133K |
| Short-term disability(2 contracts) | UNUM | 23 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.8M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.