| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $60K | — | $60K | 2.97% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.06% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 2.79% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.22% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ERIC BROGAN | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $30K | — | $30K | 9.22% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.36% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.91% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.24% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $667 | $667 | 1.89% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $356 | — | $356 | 9.99% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $75 | $75 | 2.10% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 482 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 833 | $327K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 482 | $3.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 402 | $301K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 402 | $304K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 402 | $301K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 482 | $3.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 402 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.