| 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 | $12K | $0 | $12K | 5.55% |
| LAU & LAU ASSOCIATES LLC Filed as: LAU JONATHAN DAVID | 41000 WOODWARD AVE STE 250E BLOOMFIELD HILLS, MI 48304 | GUARDIAN | $16K | $0 | $16K | 14.21% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250 E BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $3K | $250 | $3K | 16.30% |
| AIT SERVICES LLC | 840 LAKE ST EAST, STE 2A WAYZATA, MN 55391 | UNUM INSURANCE COMPANY | $350 | $0 | $350 | 1.82% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250 E BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $2K | $149 | $2K | 16.06% |
| AIT SERVICES LLC | 840 LAKE ST EAST, STE 2A WAYZATA, MN 55391 | UNUM INSURANCE COMPANY | $680 | $0 | $680 | 4.83% |
| LAU & LAU ASSOCIATES LLC | 41000 WOODWARD AVE, STE 250 E BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $2K | $171 | $2K | 16.28% |
| AIT SERVICES LLC | 840 LAKE ST EAST, STE 2A WAYZATA, MN 55391 | UNUM INSURANCE COMPANY | $192 | $0 | $192 | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLIAMS PROCESSOR | Claims processing; Other services Service code 12 | — | $73K |
| LAU & LAU ASSOCIATES LLC EIN 52-2159240 BROKER | Other commissions Service code 55 | 41000 WOODWARD AVE STE 250 BLOOMFIELD, MI 48304 | $23K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KASIER FOUNDATION HEALTH PLAN, INC | 35 | $213K |
| Dental(2 contracts, 2 carriers) | KASIER FOUNDATION HEALTH PLAN, INC | 250 | $328K |
| Vision(2 contracts, 2 carriers) | KASIER FOUNDATION HEALTH PLAN, INC | 250 | $328K |
| Life insurance | GUARDIAN | 250 | $115K |
| Short-term disability | UNUM INSURANCE COMPANY | 69 | $19K |
| Long-term disability | GUARDIAN | 250 | $115K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 232 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.