| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | PHYSICIANS HEALTH PLAN | $101K | — | $101K | 1.09% |
| GREGORY BROGAN3 Filed as: GREGORY BROGAN- BROGAN INSURANCE | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $20K | — | $20K | 2.72% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 6.14% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN-BOR | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $7K | — | $7K | 4.94% |
| DARCI A WERTZ3 | 2655 NARROW LAKE RD CHARLOTTE, MI 48813 | AFLAC | $9K | $411 | $10K | 13.71% |
| ARCEL MAY ROXAS3 | 2311 E JOLLY RD APT 10 LANSING, MI 48910 | AFLAC | $1K | $58 | $1K | 2.00% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $1K | $82 | $1K | 1.96% |
| CASEY D BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | AFLAC | $432 | — | $432 | 0.61% |
| SAMANTHA KIBLER3 | 4561 CARSKADDON AVE TOLEDO, OH 43615 | AFLAC | $294 | $24 | $318 | 0.45% |
| JUDITH I VIDAL3 Filed as: JUDITH D DADD | 3202 ALDEN DR LANSING, MI 48910 | AFLAC | $246 | — | $246 | 0.35% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $213 | — | $213 | 0.30% |
| BRIAN J DAY3 Filed as: BRIAN S RICHARDSON | 8143 S AIRPORT RD DEWITT, MI 48820 | AFLAC | $42 | — | $42 | 0.06% |
| ERIC D TROTOCHAUD3 | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $40 | — | $40 | 0.06% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $37 | — | $37 | 0.05% |
| AMBER DASHKOVITZ3 | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $37 | — | $37 | 0.05% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $34 | — | $34 | 0.05% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L. KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $32 | — | $32 | 0.05% |
| STUART DUNKLE3 Filed as: STUART M. MIGDON | 1909 JOSEPH CT WALL TOWNSHIP, NJ 07719 | AFLAC | $28 | — | $28 | 0.04% |
| KENNETH J BEST3 | 2094 LAC DU MONT APT D1 HASLETT, MI 48840 | AFLAC | $23 | — | $23 | 0.03% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $18 | — | $18 | 0.03% |
| ANDREW BROGAN3 Filed as: ANDREW D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AFLAC | $17 | — | $17 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $16 | — | $16 | 0.02% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $16 | — | $16 | 0.02% |
| MICHELE L MILLER3 | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | AFLAC | $13 | — | $13 | 0.02% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | AFLAC | $12 | — | $12 | 0.02% |
| JOHN W POMEROY3 | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $11 | — | $11 | 0.02% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DR MONROE, OH 45050 | AFLAC | $11 | — | $11 | 0.02% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $11 | — | $11 | 0.02% |
| DARCI LEWIS3 | 5495 COLT DR SE CALEDONIA, MI 49316 | AFLAC | $10 | — | $10 | 0.01% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $10 | — | $10 | 0.01% |
| GREG K BEST3 | 3487 S. LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $10 | — | $10 | 0.01% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $9 | — | $9 | 0.01% |
| SALLY A MILLER3 | 2012 E PROVINCIAL HOUSE DR LANSGIN, MI 48910 | AFLAC | $9 | — | $9 | 0.01% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.01% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $6 | — | $6 | 0.01% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.01% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $6 | — | $6 | 0.01% |
| MATTHEW P JOHNSON3 | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | 0.01% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $5 | — | $5 | 0.01% |
| MEGHAN M TILTON3 | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $4 | — | $4 | 0.01% |
| PATRICK FULLER3 Filed as: PATRICK L FULLER | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $4 | — | $4 | 0.01% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $2 | — | $2 | 0.00% |
| LENIN RODRIGUEZ3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | — | $2 | 0.00% |
| MEGHAN M TILTON3 | 12658 SHIPPY RD SW FIFE LAKE, MI 49633 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELE L MILLER3 Filed as: MICHELE L KRUGER | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY KOOI3 | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $1 | — | $1 | 0.00% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 17.00% |
| GREG BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | PHP INSURANCE COMPANY | $546 | — | $546 | 1.09% |
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 | 759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHYSICIANS HEALTH PLAN | 1,887 | $9.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,843 | $726K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 1,744 | $141K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $272K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $221K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $221K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,887 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.