| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $48K | — | $48K | 1.38% |
| ANDREW BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | PRIORITY HEALTH | $18K | — | $18K | 4.00% |
| ANDREW BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 8.31% |
| ANDREW BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.23% |
| ANDREW BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.72% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY OF MICHIGAN HEALTH PLAN | 672 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 808 | $250K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 735 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $343K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $343K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $343K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY OF MICHIGAN HEALTH PLAN | 672 | $3.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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.