| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 0.89% |
| ANDREW BROGAN3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 0.48% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $6K | $6K | 0.18% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | PO BOX 4307 EAST LANSING, MI 48826 | GUARDIAN | $111K | — | $111K | 8.27% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | AMERITAS LIFE INSURANCE COMPANY | $29K | — | $29K | 4.06% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $13K | $13K | 2.77% |
| 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 | 2.20% |
| ANDREW BROGAN3 | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.80% |
| JEREMY M HENSEL3 | 2370 SCIENCE PARKWAY OKEMOS, MI 48864 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.51% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGEN | 320 W LAKE LANSING RD S-2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 3.08% |
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 | 2,851 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 439 | $3.6M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 2,884 | $1.2M |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 2,884 | $723K |
| Life insurance | GUARDIAN | 2,851 | $1.3M |
| Short-term disability | GUARDIAN | 2,851 | $1.3M |
| Long-term disability | GUARDIAN | 2,851 | $1.3M |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 439 | $3.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,140 | $485K |
| Other | GUARDIAN | 2,851 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,884 | — |
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.