| 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 | $63K | — | $63K | 4.83% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.75% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 8.92% |
| 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 | $428 | $4K | 18.11% |
| 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 | $350 | $2K | 8.73% |
| 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 | $299 | $1K | 8.63% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN - BOR | 320 WEST LAKE LANSING SUITE 2 EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $890 | — | $890 | 5.64% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN - BOR | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $743 | — | $743 | 4.71% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.28% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $657 | — | $657 | 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 | $629 | — | $629 | 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 | $60 | — | $60 | 2.35% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | — | $277 | 16.26% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | $26 | $134 | 8.87% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64 | $16 | $80 | 8.53% |
| 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 | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 15.02% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 16.36% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN - BOR | 320 WEST LAKE LANSING SUITE 2 EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 14.58% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 261 | $121K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 233 | $16K |
| Life insurance(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $135K |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.3M |
| Other(15 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.