| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | PHP INSURANCE COMPANY | $44K | $0 | $44K | 2.10% |
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $21K | $0 | $21K | 4.00% |
| DAVID BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.83% |
| ROBERT HUGHES3 | 330 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.83% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.99% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | DBA KEYSER INSURANCE 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 4.72% |
| DAVID BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $651 | $651 | 2.34% |
| DAVID BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $431 | $431 | 2.32% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHP INSURANCE COMPANY | 297 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 360 | $150K |
| Vision | VISION SERVICE PLAN | 135 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $286K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $258K |
| Prescription drug(2 contracts, 2 carriers) | PHP INSURANCE COMPANY | 297 | $2.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 207 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.