| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $80K | — | $80K | 2.82% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.06% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $50K | — | $50K | 2.71% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.07% |
| ERIC BROGAN3 Filed as: ERIC BROGAN BROGAN INSURANCE | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 6.35% |
| ERIC BROGAN3 Filed as: ERIC BROGAN BROGAN INSURANCE | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.51% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.74% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.90% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.29% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.88% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.52% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.93% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $5K | — | $5K | 16.25% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $540 | $540 | 1.89% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $3K | — | $3K | 16.22% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $456 | $456 | 2.71% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $2K | — | $2K | 16.23% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $477 | $477 | 3.11% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 386 | $4.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 710 | $258K |
| Vision | VISION SERVICE PLAN | 287 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $96K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $163K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $119K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 386 | $4.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.