| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488231438 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | — | $44K | 1.42% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.10% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD, STE 2 EAST LANSING, MI 488231438 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 9.75% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 14.64% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.37% |
| ADVANCED INSURANCE MARKETS LTD3 | 1969 CEDAR HOLT, MI 48842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.29% |
| PATRICIA REED3 | 569 THORNHILL COURT BELLEVILLE, ME 48111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 745 | $3.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 745 | $3.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $202K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $140K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 745 | $3.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.