| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | PHPMM INSURANCE COMPANY | $43K | $0 | $43K | 2.14% |
| PAULA HOWARD3 | 1400 EAST MICHIGAN AVENUE LANSING, MI 48912 | PHPMM INSURANCE COMPANY | $614 | $0 | $614 | 0.03% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | PO BOX 50631 KALAMAZOO, MI 49005 | HEALTH ALLIANCE PLAN | $20K | $0 | $20K | 4.20% |
| DAVID H. BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.89% |
| ROBERT HUGHES3 Filed as: ROBERT B. HUGHES | 330 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.89% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.88% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | DBA KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 6.07% |
| DAVID H. BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.86% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $879 | $879 | 3.99% |
| DAVID H. BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 16.48% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $541 | $541 | 4.00% |
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 | 211 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHPMM INSURANCE COMPANY | 305 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 376 | $147K |
| Vision(2 contracts) | VISION SERVICE PLAN | 139 | $36K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $268K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $246K |
| Prescription drug(2 contracts, 2 carriers) | PHPMM INSURANCE COMPANY | 305 | $2.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.