| 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 | $16K | — | $16K | 2.34% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $309 | $309 | 0.05% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 2.49% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $309 | $309 | 0.05% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 6.25% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING RD EAST LANSING, MI 48826 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.97% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $974 | — | $974 | 6.01% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 13.58% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 73.58% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD SUITE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $57 | $57 | 10.11% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | 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 | 148 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 266 | $108K |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $62K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $10K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $62K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 148 | $1.3M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.