| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $93K | — | $93K | 5.38% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.08% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD #2 EAST LANSING, MI 488238823 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 5.71% |
| ERIC J BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488264307 | DEARBORN LIFE INSURANCE COMPANY | $10K | $5K | $15K | 13.79% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 488231438 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 309 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 331 | $124K |
| Vision | VISION SERVICE PLAN | 142 | $18K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 150 | $108K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 150 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 309 | $1.7M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 150 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.