| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 2.65% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 2.65% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 495449544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 0.91% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.09% |
| BROGAN INSURANCE3 Filed as: BROGAN | 320 WEST LONG LAKE LANSING RD EAST LANSING, MI 48823 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.41% |
| MMA SERVICE CORP5 | 620 S. CAPITOL AVE. LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | $717 | — | $717 | 5.03% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | $717 | — | $717 | 5.03% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $82K |
| Vision | EYEMED | 228 | $14K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.