| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W. LAKE LANSING EAST LANSING, MI 48823 | MCLAREN HEALTH PLAN | $27K | — | $27K | 4.43% |
| DOUG LOTTES3 | 1036 CAMDEN DR LANSING, MI 48917 | DELTA DENTAL | $4K | — | $4K | 5.50% |
| BURTON ALTMAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL | $4K | — | $4K | 5.50% |
| DOUGLAS LOTTES3 | 1036 CAMDEN RD LANSING, MI 48917 | VSP | $323 | — | $323 | 3.00% |
| BURTON ALTMAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | VSP | $323 | — | $323 | 3.00% |
| BURTON ALTMAN3 | 320 W LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM | $240 | — | $240 | 5.30% |
| DOUGLAS LOTTES3 | 1036 CAMDEN DR LANSING, MI 48917 | UNUM | $240 | — | $240 | 5.30% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD, STE 2 EAST LANSING, MI 48823 | UNUM | $65 | — | $65 | 1.44% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN HEALTH PLAN | 142 | $617K |
| Dental | DELTA DENTAL | 272 | $67K |
| Vision | VSP | 156 | $11K |
| Life insurance | UNUM | 194 | $5K |
| Short-term disability | UNUM | 194 | $5K |
| Long-term disability | UNUM | 194 | $5K |
| Other | UNUM | 194 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.