| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 Filed as: ERIC BROGAN, BROGAN INSURANCE | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $76K | — | $76K | 9.18% |
| ERIC BROGAN3 Filed as: ERIC BROGAN, BROGAN INSURANCE | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $38K | $0 | $38K | 4.59% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.74% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.74% |
| STRATEGIC NON-MEDICAL SOLUTION | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 5.55% |
| ERIC BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.47% |
| GREGORY BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 3.47% |
| JAMES F. SALTER Filed as: JAMES SALTER | 72 SHEPHERD LN PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.39% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.50% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.50% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.50% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.50% |
| ERIC BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 488231438 | VISION SERVICE PLAN | $1K | — | $1K | 1.17% |
| BROGAN INSURANCE Filed as: BROGAN INSURANCE AGENCY, LLC | 320 W LAKE LANSING RD EAST LANSING, MI 488231438 | VISION SERVICE PLAN | $1K | — | $1K | 1.17% |
| ERIC BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488234307 | 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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,893 | $826K |
| Vision | VISION SERVICE PLAN | 833 | $127K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 898 | $479K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 898 | $339K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 898 | $463K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,893 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.