| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $15K | — | $15K | 2.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $15K | — | $15K | 2.00% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $4K | — | $4K | 2.00% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $4K | — | $4K | 2.00% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 2.30% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 2.30% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | — | $548 | $548 | 5.02% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | — | $330 | $330 | 3.02% |
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 | 77 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $59K |
| Vision | EYEMED | 167 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.