| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | — | $55K | 3.00% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.57% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.93% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $438 | $4K | 16.75% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN - BOR | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.82% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $784 | — | $784 | 15.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $677 | — | $677 | 15.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $196 | — | $196 | 15.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 15.08% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 15.01% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN - BOR | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $53 | — | $53 | 11.35% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 14.87% |
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 | 143 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 385 | $173K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 328 | $22K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $133K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.8M |
| Other(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
No prospect flags tripped on this filing.