| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $1K | $32K | 3.18% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.27% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.87% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $108 | — | $108 | 0.04% |
| THOMAS KARLE3 Filed as: THOMAS M KARLE | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.67% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.08% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $270 | $270 | 0.23% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | AMERICAN FIDELITY ASSURANCE COMPANY | $196 | — | $196 | 0.17% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $44 | $44 | 0.04% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $9 | — | $9 | 0.01% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.87% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 1.39% |
| THOMAS KARLE3 | 651 WASHINGTON GROSS POINTE, MI 48230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.09% |
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 | 166 | 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) | 167 | 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 | 168 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 168 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 168 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $11K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 64 | $221K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 64 | $221K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 168 | $1.3M |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 158 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.