| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 0.68% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 0.68% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.07% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 4.93% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 4.93% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.52% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.52% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $7K | $13K | 10.37% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 13.15% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $756 | — | $756 | 2.18% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $442 | — | $442 | 1.28% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $314 | — | $314 | 0.91% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 487 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 594 | $265K |
| Vision | VISION SERVICE PLAN | 203 | $35K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $71K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $71K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $121K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 487 | $3.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.