| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND CHOI3 Filed as: RAYMOND M CHOI | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | PRIORITY HEALTH | $80K | — | $80K | 4.00% |
| GREG BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | PHYSICIANS HEALTH PLAN | $19K | — | $19K | 1.75% |
| RAYMOND CHOI3 | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | PHYSICIANS HEALTH PLAN | $19K | — | $19K | 1.75% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | PO BOX 4307 EAST LANSING, MI 48826 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 3.31% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | PO BOX 4307 EAST LANSING, MI 48826 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 2.12% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT, IN | 455 PETTIS AVE SE PO BOX 527 ADA, MI 49301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.45% |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 249 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,025 | $639K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,025 | $639K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,025 | $639K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,025 | $639K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,025 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,025 | — |
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.