| 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 | $35K | — | $35K | 3.00% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $816 | $816 | 0.07% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 2.91% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $696 | $696 | 0.07% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 6.84% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING RD EAST LANSING, MI 48826 | DEARBORN LIFE INSURANCE COMPANY | $10K | $3K | $14K | 15.20% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $1K | — | $1K | 5.42% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.10% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $691 | $691 | 3.81% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $305 | $305 | 3.73% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $777 | — | $777 | 13.54% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $209 | $209 | 3.64% |
| ERIC BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $769 | $568 | $1K | 23.42% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM INSURANCE COMPANY | $0 | $205 | $205 | 3.59% |
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 | 215 | 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) | 220 | 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 | 201 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 424 | $136K |
| Vision | VISION SERVICE PLAN | 151 | $22K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 215 | $90K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $24K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 215 | $90K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 201 | $2.2M |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 215 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.