| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAU & LAU ASSOCIATES LLC Filed as: LAU JONATHAN DAVID | 41000 WOODWARD AVE STE STE 250E BLOOMFIELD HILLS, MI 48304 | KAISER FOUNDATION HEALTH PLAN | $12K | — | $12K | 4.76% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.29% |
| ELAINE C. COFFMAN Filed as: ELAINE K. MCLAIN | 1400 HAYNES ST BIRMINGHAM, MI 48009 | AFLAC | $146 | $0 | $146 | 3.32% |
| DAPHANE LEE Filed as: DAPHANE B. LEE | 6294 PEPER HILL STREET WEST BLOOMFIELD, MI 48332 | AFLAC | $39 | $0 | $39 | 0.89% |
| KEN MAJOR Filed as: KEN L. MAJOR | 2211 MICHELSON DR, STE 1150 IRVINE, CA 96212 | AFLAC | $37 | $0 | $37 | 0.84% |
| CHARLES V GLAUB Filed as: CHARLES V. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $27 | $0 | $27 | 0.61% |
| ELAINE C. COFFMAN Filed as: ELAINE K. MCLAIN | 425 E. ETON ST. APT 302 BIRMINGHAM, MI 48009 | AFLAC | $22 | $0 | $22 | 0.50% |
| CLAUDINE JACKSON | 6828 BERRY POINTE DRIVE CLARKSTON, MI 48348 | AFLAC | $19 | $0 | $19 | 0.43% |
| HILARY R EBNER Filed as: HILARY R. REBNER | P.O. BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $19 | $0 | $19 | 0.43% |
| HEIDI E GLAUB Filed as: HEIDI G. GLAUB | 4404 SAINT ANDREWS STREET HOWELL, MI 48843 | AFLAC | $13 | $0 | $13 | 0.30% |
| GABRIEL G TORREZ Filed as: GABRIEL G. TORREZ | 30800 TELEGRAPH RD, SUITE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $0 | $10 | $10 | 0.23% |
| CORESOURCE, INC. Filed as: TRUSTMARK | P.O. BOX 2310 MT. CLEMENS, MI 48046 | HCC LIFE INSURANCE | $0 | — | $0 | — |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 244 | $247K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 244 | $247K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 244 | $247K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $68K |
| Short-term disability | AFLAC | 4 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $21K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 244 | $247K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 244 | $0 |
| Other | AFLAC | 4 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.