| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $66K | $2K | $68K | 7.71% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE, SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $66K | $0 | $66K | 7.50% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $39K | $2K | $41K | 5.24% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE, SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $30K | $0 | $30K | 3.83% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $31K | $2K | $33K | 5.30% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE, SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $31K | $0 | $31K | 5.00% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $22K | $1K | $23K | 7.91% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE, SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $13K | $0 | $13K | 4.50% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $20K | $3K | $23K | 16.98% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $10K | $525 | $10K | 7.90% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE, SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $10K | $0 | $10K | 7.50% |
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 | 4,440 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 4,440 | $1.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 2,701 | $785K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 1,485 | $427K |
| Other(5 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 4,440 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,440 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.