| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | — | $49K | 3.15% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.07% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.44% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.63% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ERIC BROGAN | 320 W LAKE LANSING RD #2 EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $25K | — | $25K | 9.13% |
| ERIC BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 30.11% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $872 | $872 | 0.93% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.31% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $517 | $517 | 1.67% |
| ERIC J BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 9.16% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 48823 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 3.66% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 280 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 636 | $269K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 280 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $300K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $302K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $300K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 280 | $1.7M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 352 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.