| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 2.79% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.74% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $161 | — | $161 | 0.10% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED VISION CARE | $1K | — | $1K | 5.98% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $916 | — | $916 | — |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 156 | $951K |
| Dental | DELTA DENTAL OF MICHIGAN | 369 | $169K |
| Vision | EYEMED VISION CARE | 340 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 156 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
No prospect flags tripped on this filing.