| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 0.81% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 0.81% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $957 | $957 | 0.04% |
| LARRY E ZBANEK3 | 1635 BOULDER COURT ROCHESTER, MI 48306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $394 | $394 | 0.01% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $11K | $0 | $11K | 4.93% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $11K | $0 | $11K | 4.93% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 8.02% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 8.02% |
| 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 | $4K | $8K | 4.78% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.66% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 10.92% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.85% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | VISION SERVICE PLAN | $696 | $0 | $696 | 2.35% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | VISION SERVICE PLAN | $696 | $0 | $696 | 2.35% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 431 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 523 | $223K |
| Vision | VISION SERVICE PLAN | 168 | $30K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $225K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $169K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 431 | $2.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.