| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $30K | $0 | $30K | 4.00% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $7K | $0 | $7K | 4.00% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING, SUITE 2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.28% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.20% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING, SUITE 2 EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $751 | $0 | $751 | 6.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$1 | $0 | -$1 | -0.01% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD PARK, NJ 07660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $240 | $0 | $240 | 5.20% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNIVERSITY OF MICHIGAN HEALTH PLAN | 123 | $928K |
| Dental | DELTA DENTAL OF MICHIGAN | 157 | $64K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 156 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $57K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 30 | $5K |
| Prescription drug(2 contracts) | UNIVERSITY OF MICHIGAN HEALTH PLAN | 123 | $928K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.