| 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 | $35K | — | $35K | 4.91% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.89% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $924 | $924 | 0.13% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 5.37% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.97% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $291 | $291 | 0.09% |
| BROGAN INSURANCE3 Filed as: BROGAN, ERIC J | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.34% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.75% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ERIC BROGAN | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 10.82% |
| BROGAN INSURANCE3 Filed as: BROGAN, ERIC J | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BROGAN INSURANCE3 Filed as: BROGAN, GREGORY D | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $206 | $206 | 1.75% |
| BROGAN INSURANCE3 Filed as: BROGAN, ERIC, J | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.34% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 231 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 345 | $92K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 231 | $1.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $103K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 231 | $1.0M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.