| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: AETNA U.S. HEALTHCARE | 26957 NORTHWESTERN HWY, STE 140 SOUTHFIELD, MI 48034 | AETNA LIFE INSURANCE COMPANY | $75K | $0 | $75K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWNS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.89% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSUR CO | $39K | $1K | $40K | 15.49% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSUR CO | $33K | $1K | $34K | 15.53% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES | 41000 WOODWARD AVE, STE 250E BLOOMFIELD HILLS, MI 48304 | LINCOLN NATIONAL LIFE INSUR CO | $25K | $2K | $27K | 21.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 300 S RIVERSIDE PLAZA CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSUR CO | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3.3M |
| BCBS OF LOUISIANA EIN 23-7384555 CONTRACT ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 5525 REITZ AVE BATON ROUGE, LA 70809 | $137K |
| HEALTH ALLIANCE MEDICAL PLANS EIN 37-1260731 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $115K |
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 | 3,579 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,967 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,967 | $2.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 5,848 | $458K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,967 | $2.8M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,967 | $2.8M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 2,967 | $2.8M |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSUR CO | 960 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,848 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.