| 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 | $41K | — | $41K | 1.32% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING RD LANSING, MI 488238823 | 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 | $10K | $2K | $12K | 9.65% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 19.63% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 WEST LAKE LANSING EAST LANSING, MI 488231438 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.47% |
| PATRICIA REED3 | 22500 LUCERNE DR SOUTHFIELD, MA 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 780 | $3.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 780 | $3.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $188K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $127K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $131K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 780 | $3.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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."
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.