| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ERIC BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $28K | $0 | $28K | 4.72% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $28K | $0 | $28K | 4.72% |
| ERIC J BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.47% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.47% |
| 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 | $21K | $0 | $21K | 7.12% |
| BROGAN INSURANCE3 Filed as: BROGAN, ERIC J | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.75% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.75% |
| SALTER, JAMES F3 | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.50% |
| ERIC J BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.50% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.50% |
| ERIC J BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.50% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGRAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.50% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488231438 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.45% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING ROAD EAST LANSING, MI 488231438 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.45% |
| 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 | $6K | $0 | $6K | 7.16% |
| BROGAN INSURANCE3 Filed as: BROGAN, ERIC J | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.72% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.72% |
| SALTER, JAMES F3 | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.49% |
| ERIC J BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
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 | 720 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,496 | $601K |
| Vision | VISION SERVICE PLAN | 658 | $85K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 721 | $353K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 721 | $242K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 721 | $314K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 721 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,496 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.