| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $57K | — | $57K | 1.36% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $57K | $0 | $57K | 1.36% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 4.84% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.75% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.75% |
| JAMES F. SALTER3 Filed as: JAMES F SALTER | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.50% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 4.96% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $14K | $0 | $14K | 4.96% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.50% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.46% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.46% |
| JAMES F. SALTER3 Filed as: JAMES F SALTER | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $922 | — | $922 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $271 | — | $271 | 0.41% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY | 320 W. LAKE LANSING EAST LANSING, MI 48823 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.42% |
| ERIC BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | VISION SERVICE PLAN | $799 | — | $799 | 1.71% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 594 | $4.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 654 | $280K |
| Vision | VISION SERVICE PLAN | 278 | $47K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $152K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 554 | $149K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 594 | $4.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 512 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.