| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN LAU3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 4.92% |
| 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 | — | $1K | $1K | 0.16% |
| JONATHAN LAU3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 3.67% |
| LAU & LAU ASSOCIATES LLC3 Filed as: LAU AND LAU ASSOCIATES LLC | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $860 | $860 | 0.70% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $120 | $2K | 9.53% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $83 | $1K | 9.74% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $1K | $63 | $1K | 14.42% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $60 | $1K | 14.57% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $772 | $53 | $825 | 14.58% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $667 | $46 | $713 | 14.60% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $793K |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $793K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $793K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 134 | $793K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.