| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN LAU3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 4.86% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU AND LAU ASSOCIATES LLC | 41000 WOODWRAD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.47% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU AND LAU ASSOCIATES LLC | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $34K | $4K | $38K | 10.73% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU & LAU ASSOCIATES, LLC | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.72% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $314 | $2K | 5.76% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $246 | $2K | 5.76% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $504 | $82 | $586 | 5.82% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $258 | $40 | $298 | 5.78% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $745K |
| Dental | DELTA DENTAL OF MICHIGAN | 200 | $58K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $391K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $33K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 171 | $745K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.