| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 2.86% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.11% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 3.25% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $836 | $836 | 0.11% |
| GREGORY BROGAN3 Filed as: GREGORY BROGAN-BROGAN INSURANCE | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 9.24% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DEARBORN LIFE INSURANCE COMPANY | $22K | — | $22K | 14.11% |
| ERIC J BROGAN3 | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48826 | DEARBORN LIFE INSURANCE COMPANY | $0 | $738 | $738 | 0.48% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | — | $3K | 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 | 539 | 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) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 250 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 431 | $175K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 357 | $35K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 749 | $154K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 749 | $154K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 749 | $154K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 250 | $2.0M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 749 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.