| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $0 | $123K | 5.70% |
| RENEL & RENEL ASSOC., INC.3 | 410 W UNIVERSITY DR, STE B ROCHESTER HILLS, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $0 | $123K | 5.70% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| RENEL & RENEL ASSOC., INC.3 | 725 S ADAMS, SUITE 225 BIRMINGHAM, MI 48009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| RENEL & RENEL ASSOC., INC.3 | 725 S ADAMS, SUITE 225 BIRMINGHAM, MI 48009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| RENEL & RENEL ASSOC., INC.3 | 725 S ADAMS, SUITE 225 BIRMINGHAM, MI 48009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| RENEL & RENEL ASSOC., INC.3 | 725 S ADAMS, SUITE 225 BIRMINGHAM, MI 48009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| RENEL & RENEL ASSOC., INC.3 | 725 S ADAMS, SUITE 225 BIRMINGHAM, MI 48009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LUA ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $47K |
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 | 6,830 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,830 | $2.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,830 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,830 | $2.2M |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,830 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,830 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.