| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 1.44% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.96% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.27% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 1.69% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.12% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $834 | $834 | 0.12% |
| ERIC J BROGAN3 Filed as: ERIC J. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48826 | DEARBORN LIFE INSURANCE COMPANY | — | $12K | $12K | 5.47% |
| GREGORY BROGAN3 Filed as: GREGORY D. BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.45% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING RD. EAST LANSING, MI 48823 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.64% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.49% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ANDREW BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 2.85% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | 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 | 164 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 370 | $139K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 344 | $223K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 344 | $223K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 344 | $223K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 164 | $1.8M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 344 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
No prospect flags tripped on this filing.