| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 2.62% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $644 | $644 | 0.10% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 2.47% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $511 | $511 | 0.09% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 6.25% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.91% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $810 | $810 | 1.95% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $937 | — | $937 | 6.14% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $935 | — | $935 | 7.86% |
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 | 126 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 228 | $93K |
| Vision | VISION SERVICE PLAN | 94 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $42K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 43 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $42K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.