| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIED OF MICHIGAN | $44K | $0 | $44K | 3.02% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIED OF MICHIGAN | — | $1K | $1K | 0.10% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 5.51% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 2.34% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $108 | $108 | 0.13% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | LINCOLN FINANCIAL GROUP | $3K | $61 | $3K | 12.95% |
| GREGORY BROGAN | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED VISION CARE | $998 | — | $998 | — |
| GREGORY BROGAN | 320 W LAKE LANSING ROAD SUITE 2 EAST LANSING, MI 48823 | EYEMED VISION CARE | $645 | — | $645 | — |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIED OF MICHIGAN | 287 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 309 | $150K |
| Vision | EYEMED VISION CARE | 293 | $0 |
| Long-term disability | LINCOLN FINANCIAL GROUP | 144 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.