| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY E ZBANEK3 | 937 CRESENWOOD S-201 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $1K | $54K | 2.74% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $0 | $16K | 0.79% |
| ERIC J BROGAN3 | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.89% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.89% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 4.49% |
| ERIC J BROGAN3 | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.74% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 9.22% |
| ERIC J BROGAN3 | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1 | $11K | 7.47% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $928 | $5K | 9.25% |
| ERIC J BROGAN3 | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.50% |
| ERIC J BROGAN3 | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | VISION SERVICE PLAN | $504 | $0 | $504 | 2.92% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W. LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | VISION SERVICE PLAN | $504 | $0 | $504 | 2.92% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 348 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 406 | $186K |
| Vision | VISION SERVICE PLAN | 138 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $208K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $208K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $155K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 348 | $2.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.