| 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 | $30K | — | $30K | 2.40% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | — | $30K | 2.40% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.09% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 495449544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $952 | — | $952 | 0.08% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 2.67% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 2.67% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 495449544 | BLUE CARE NETWORK OF MICHIGAN | $167 | — | $167 | 0.08% |
| MMA SERVICE CORP5 | 620 S. CAPITOL AVE. LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| ERIC BROGAN3 | 320 WEST LONG LAKE LANSING RD EAST LANSING, MI 48823 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | $807 | — | $807 | 5.03% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED | $807 | — | $807 | 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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 141 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $81K |
| Vision | EYEMED | 194 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 141 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.