| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 BLOOMFIELD HILLS, MI 48304 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 3.79% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $326 | $2K | 5.80% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $326 | $2K | 6.01% |
| JONATHAN LAU3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $923 | — | $923 | 8.03% |
| 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 | — | $74 | $74 | 0.64% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501 | $326 | $827 | 8.26% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | $326 | $616 | 10.61% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $809K |
| Dental | DELTA DENTAL OF MICHIGAN | 239 | $76K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 209 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $32K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
No prospect flags tripped on this filing.