| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | PHP INSURANCE COMPANY | $44K | — | $44K | 2.10% |
| PATRICIA CLINE3 | PO BOX 50631 KALAMAZOO, MI 49005 | PRIORITY HEALTH | $22K | $0 | $22K | 4.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.85% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.85% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.89% |
| DENISE VANPUTTEN3 | DBA KEYSER INSURANCE GROUP 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $6K | $338 | $7K | 5.07% |
| DAVID BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $519 | $519 | 1.75% |
| DAVID BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $315 | $315 | 1.75% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PHP INSURANCE COMPANY | 281 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 347 | $129K |
| Vision | VISION SERVICE PLAN | 132 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $283K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $254K |
| Prescription drug(2 contracts, 2 carriers) | PHP INSURANCE COMPANY | 281 | $2.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.