| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | PO BOX 4307 EAST LANSING, MI 48826 | GUARDIAN | $109K | — | $109K | 8.41% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE COMPANY | $22K | $11K | $33K | 6.11% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 2.37% |
| ANDREW BROGAN3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.13% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 1.94% |
| ANDREW BROGAN3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 1.04% |
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 | 2,320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 377 | $3.4M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 5,612 | $898K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 5,612 | $541K |
| Life insurance | GUARDIAN | 2,320 | $1.3M |
| Short-term disability | GUARDIAN | 2,320 | $1.3M |
| Long-term disability | GUARDIAN | 2,320 | $1.3M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 377 | $3.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,097 | $456K |
| Other | GUARDIAN | 2,320 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,612 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.