| 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 | KASIER FOUNDATION HEALTH PLAN, INC. | $10K | $10K | $19K | 9.34% |
| LAU & LAU ASSOCIATES LLC Filed as: LAU JONATHAN DAVID | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | GUARDIAN | $21K | $1K | $22K | 14.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $60K |
| LAU & LAU ASSOCIATES, LLC EIN 52-2159240 BROKER | Other commissions Service code 55 | 41000 WOODWARD AVE, STE 250E BLOOMFIELD, MI 48304 | $21K |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KASIER FOUNDATION HEALTH PLAN, INC. | 36 | $205K |
| Dental(2 contracts, 2 carriers) | KASIER FOUNDATION HEALTH PLAN, INC. | 223 | $358K |
| Vision(2 contracts, 2 carriers) | KASIER FOUNDATION HEALTH PLAN, INC. | 223 | $358K |
| Life insurance | GUARDIAN | 223 | $153K |
| Short-term disability(2 contracts) | UNUM INSURANCE COMPANY | 61 | $29K |
| Long-term disability | GUARDIAN | 223 | $153K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 200 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.