| 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 | $2K | — | $2K | 3.32% |
| 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 | — | $95 | $95 | 0.17% |
| JONATHAN LAU3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 71.33% |
| 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 | — | $98 | $98 | 1.04% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $184 | $15 | $199 | 10.11% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | $10 | $202 | 15.78% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107 | $8 | $115 | 10.74% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $153 | $12 | $165 | 16.22% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $65 | $4 | $69 | 14.05% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250 EAST BLOOMFIELD HILLS, MI 48304 | UNUM INSURANCE COMPANY | $57 | $4 | $61 | 14.66% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $66K |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $66K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $2K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 136 | $66K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.