| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAU & LAU ASSOCIATES LLC Filed as: LAU JONATHAN DAVID | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 5.73% |
| LAU & LAU ASSOCIATES LLC Filed as: LAU JONATHAN DAVID | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | GUARDIAN | $14K | $0 | $14K | 12.11% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $326 | $1K | 15.60% |
| ELAINE C. COFFMAN Filed as: ELAINE MCLAIN | 1400 HAYNES ST BIRMINGHAM, MI 48009 | AFLAC | $135 | $0 | $135 | 3.89% |
| CLAUDINE JACKSON | 6828 BERRY POINTE DR CLARKSTON, MI 48348 | AFLAC | $68 | $0 | $68 | 1.96% |
| DAPHANE LEE Filed as: DAPHANE B LEE | 6294 PEPPER HILL ST WEST BLOOMFIELD, MI 48322 | AFLAC | $39 | $0 | $39 | 1.12% |
| KEN MAJOR Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $37 | $0 | $37 | 1.07% |
| HILARY R EBNER | PO BOX 760431 LATHRUP VILLAGE, MI 48076 | AFLAC | $19 | $0 | $19 | 0.55% |
| GABRIEL G TORREZ | 30800 TELEGRAPH RD STE 1950 BINGHAM FARMS, MI 48025 | AFLAC | $10 | $0 | $10 | 0.29% |
| CHARLES V GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $2 | $0 | $2 | 0.06% |
| HEIDI E GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | $0 | $1 | 0.03% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $326 | $326 | 10.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $70K |
| LAU & LAU ASSOCIATES LLC EIN 52-2159240 BROKER | Other commissions Service code 55 | 41000 WOODWARD AVE STE 250 BLOOMFIELD HILLS, MI 48304 | $25K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $213K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 215 | $327K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 215 | $327K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 215 | $126K |
| Short-term disability | AFLAC | 3 | $3K |
| Long-term disability | GUARDIAN | 215 | $113K |
| Other(2 contracts, 2 carriers) | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | 215 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.