| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 1.91% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 1.91% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.15% |
| MICHELLE R. STOUFFER3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $515 | $0 | $515 | 0.06% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 2.25% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 2.25% |
| BROGAN INSURANCE3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $470 | $470 | 0.14% |
| MICHELLE R. STOUFFER | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $133 | $0 | $133 | 0.04% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 6.85% |
| ERIC J BROGAN3 Filed as: ERIC J. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.15% |
| HNI RISK SERVICES3 | 140 MONROE CENTER, SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $970 | $0 | $970 | 0.53% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.28% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.28% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $219 | $0 | $219 | 0.21% |
| ERIC BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $928 | $0 | $928 | 5.09% |
| GREGORY BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $928 | $0 | $928 | 5.09% |
| HNI RISK SERVICES3 | 140 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $106 | $0 | $106 | 0.58% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 263 | $102K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 262 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $185K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $185K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $185K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.