| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $86K | — | $86K | 0.90% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $35K | $35K | 0.36% |
| GREGORY BROGAN3 Filed as: GREGORY BROGAN- BROGAN INSURANCE | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $24K | $1K | $25K | 2.92% |
| 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 | $5K | $14K | 4.95% |
| 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 | $8K | — | $8K | 4.97% |
| DARCI A WERTZ3 | 2655 NARROW LAKE RD CHARLOTTE, MI 48813 | AFLAC | $10K | $781 | $11K | 12.11% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $2K | $148 | $2K | 2.03% |
| JUDITH I VIDAL3 Filed as: JUDITH D DADD | 3202 ALDEN DR LANSING, MI 48910 | AFLAC | $1K | — | $1K | 1.16% |
| ARCEL MAY ROXAS3 | 2311 E JOLLY RD APT 10 LANSING, MI 48910 | AFLAC | $878 | $146 | $1K | 1.13% |
| CASEY D BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | AFLAC | $344 | — | $344 | 0.38% |
| SAMANTHA KIBLER3 | 4561 CARSKADDON AVE TOLEDO, OH 43615 | AFLAC | $195 | — | $195 | 0.22% |
| ART GRITZMAKER3 Filed as: ART GITZMAKER | 10016 W VERMONTVILLE HWY VERMONTVILLE, MI 49096 | AFLAC | $185 | — | $185 | 0.20% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $143 | — | $143 | 0.16% |
| BRIAN J DAY3 Filed as: BRIAN S RICHARDSON | 8143 S AIRPORT RD DEWITT, MI 48820 | AFLAC | $46 | $9 | $55 | 0.06% |
| LINDA HILL3 | 840 KING CT EAST LANSING, MI 48823 | AFLAC | $46 | — | $46 | 0.05% |
| CHRIS D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $46 | — | $46 | 0.05% |
| ERIC D TROTOCHAUD3 | 16845 MEADOWBROOK HASLETT, MI 48840 | AFLAC | $43 | — | $43 | 0.05% |
| ART GRITZMAKER3 | 188 E SECOND ST VERMONTVILLE, MI 49096 | AFLAC | $41 | — | $41 | 0.05% |
| THOMAS W BOSTON3 Filed as: THOMAS W RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $35 | — | $35 | 0.04% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 1909 JOSEPH CT WALL TOWNSHIP, NH 07719 | AFLAC | $31 | — | $31 | 0.03% |
| AMBER DASHKOVITZ3 | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $26 | — | $26 | 0.03% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $20 | — | $20 | 0.02% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $19 | — | $19 | 0.02% |
| ANDREW BROGAN3 Filed as: ANDREW D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | AFLAC | $18 | — | $18 | 0.02% |
| KENNETH J BEST3 | 2094 LAC DU MONT APT D1 HASLETT, MI 48840 | AFLAC | $16 | — | $16 | 0.02% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $14 | — | $14 | 0.02% |
| MICHELE L MILLER3 | 10764 WILSON AVE SW BYRON CENTER, MI 49315 | AFLAC | $14 | — | $14 | 0.02% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $14 | — | $14 | 0.02% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DR CANTON, MI 48187 | AFLAC | $13 | — | $13 | 0.01% |
| AMBER DASHKOVITZ3 Filed as: AMBER DAWN DASHKOVITZ | 1901 N FAIRVIEW AVE LANSING, MI 48912 | AFLAC | $12 | — | $12 | 0.01% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN W POMEROY3 | 8625 REDBARK PASS TRAVERSE CITY, MI 49684 | AFLAC | $11 | — | $11 | 0.01% |
| GREG K BEST3 | 3487 S LINDEN RD STE Z FLINT, MI 48507 | AFLAC | $11 | — | $11 | 0.01% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RDIGE WOOD DR MONROE, OH 45050 | AFLAC | $11 | — | $11 | 0.01% |
| JOANNE SHEEHAN3 | 10640 BLACK BEAR TRL HARRISON, MI 48625 | AFLAC | $11 | — | $11 | 0.01% |
| W E HAHN AFFILIATED SVCS LLC3 | 2922 FULLER AVE NE STE 202 GRAND RAPIDS, MI 49505 | AFLAC | $11 | — | $11 | 0.01% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $9 | — | $9 | 0.01% |
| KENNETH J BEST3 | 8425 PARKRIDGE DR DEXTER, MI 48130 | AFLAC | $9 | — | $9 | 0.01% |
| MATTHEW P JOHNSON3 | 139 W LAKE LANSING RD STE 200 EAST LANSING, MI 48823 | AFLAC | $7 | $2 | $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% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.01% |
| DARCI LEWIS3 | 5495 COLT DR SE CALEDONIA, MI 49316 | AFLAC | $6 | — | $6 | 0.01% |
| MEGHAN M TILTON3 | 6813 CHERRYWOOD DR KINGSLEY, MI 49649 | AFLAC | $6 | — | $6 | 0.01% |
| EOWALTERS3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $6 | — | $6 | 0.01% |
| SALLY A MILLER3 | 2012 E PROVINCIAL HOUSE DR LANSING, MI 48910 | AFLAC | $5 | — | $5 | 0.01% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $5 | — | $5 | 0.01% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 12203 STATE ST. TAMPA, FL 33635 | AFLAC | $5 | — | $5 | 0.01% |
| DENNIS HARTIN3 Filed as: DENNIS SCOTT HARTIN | 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% |
| PATRICIA J MICKELS3 | 5251 N LAKE RD CLARKLAKE, MI 49234 | AFLAC | $5 | — | $5 | 0.01% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $4 | $1 | $5 | 0.01% |
| DARCI LEWIS3 Filed as: DARCI LYNN LEWIS | 822 SUNNINGDALE CT WINTER HAVEN, FL 33881 | AFLAC | $4 | — | $4 | 0.00% |
| PATRICK FULLER3 Filed as: PATRICK L FULLER | 6381 ISLAND LAKE DR EAST LANSING, MI 48823 | AFLAC | $4 | — | $4 | 0.00% |
| SALLY A MILLER3 | 506 BLOSSOM CT N FT MYERS, FL 33917 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $4 | — | $4 | 0.00% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDY ANN HARTIN3 | 12203 STATE ST TAMPA, FL 33635 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDY ANN HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $3 | — | $3 | 0.00% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $3 | — | $3 | 0.00% |
| KENNETH J BEST3 | 2094 LAC DU MONT APT D1 HASLETT, MI 48840 | AFLAC | $2 | — | $2 | 0.00% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY J LOWRAN3 | 9553 E WALKABOUT LN TRAVERSE CITY, MI 49684 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW P JOHNSON3 | 1002 W GRAND RIVER AVE WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY KOOI3 | 270 SHAKERAG ST MINERAL POINT, WI 53565 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER M VANPOPERING3 | 1658 140TH AVE DORR, MI 49323 | 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 | $10K | $1K | $12K | 15.28% |
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 | 772 | 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) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,092 | $9.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,011 | $857K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 1,912 | $156K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $358K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $283K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $283K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,092 | $9.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,092 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.