| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN2 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 0.62% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $0 | $23K | 0.62% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.08% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.09% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.09% |
| JAMES F. SALTER3 Filed as: JAMES F SALTER | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| AGIS NETWORK INC3 | 2122 KRATSKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $13K | $387 | $13K | 4.72% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $13K | $387 | $13K | 4.72% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.17% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.17% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.50% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.50% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.50% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.50% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $863 | $0 | $863 | 1.97% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | VISION SERVICE PLAN | $863 | $0 | $863 | 1.97% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $660 | — | $660 | 7.49% |
| ERIC BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $660 | $0 | $660 | 7.49% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 545 | $3.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 616 | $273K |
| Vision | VISION SERVICE PLAN | 240 | $44K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $178K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $167K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 545 | $3.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.