| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $53K | $0 | $53K | 4.55% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $567 | $567 | 0.05% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $6K | $304 | $6K | 5.10% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.96% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | ALLSTATE | $2K | $0 | $2K | 17.36% |
| BH PREFERRED LLC | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | ALLSTATE | $612 | — | $612 | 6.89% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $956 | $0 | $956 | 12.42% |
| BH PREFERRED LLC | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | ALLSTATE | $505 | — | $505 | 6.60% |
| GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED VISION CARE | $2K | — | $2K | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 271 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 273 | $118K |
| Vision | EYEMED VISION CARE | 275 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 271 | $1.2M |
| Other(2 contracts) | ALLSTATE | 34 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.