| 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 | $51K | $7K | $58K | 8.56% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $51K | $5K | $56K | 8.23% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $31K | $7K | $38K | 6.16% |
| 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 | $5K | $36K | 5.80% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $24K | $7K | $31K | 6.50% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $18K | $5K | $23K | 4.80% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $27K | $7K | $34K | 9.53% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 41000 WOODWARD AVE 250 E ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $19K | $5K | $24K | 6.62% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $3K | $12K | 10.58% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE SUITE B ROCHESTER, MI 48307 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $2K | $11K | 9.63% |
| RENEL & RENEL ASSOC., INC.3 Filed as: RENEL & RENEL ASSOC | 410 W UNIVERSITY DRIVE ROCHESTER, MI 48307 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | — |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE 250 BLOOMFIELD HILLS, MI 48304 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $13K |
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 | 4,254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 4,254 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 1,850 | $482K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 2,288 | $356K |
| Other(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 4,254 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,254 | — |
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.