| 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 | $41K | — | $41K | 2.18% |
| THOMAS KARLE3 Filed as: THOMAS M KARLE | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AETNA LIFE INSURANCE CO. | $5K | $15K | $20K | 1.75% |
| LAKESIDE INSURANCE AGENCY3 | 43200 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 4.12% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.04% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.81% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73215 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 3.99% |
| AUTOMOBILE DEALERS ASSOC OF ALABAMA3 | 1335 CARMICHAEL WAY MONTGOMERY, AL 36106 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $164 | — | $164 | 0.17% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.37% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 3.48% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 1.69% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $235 | — | $235 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $111 | — | $111 | 0.15% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $61 | $61 | 0.08% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.53% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 3.15% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $32 | — | $32 | 0.08% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.57% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 3.54% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $94 | — | $94 | 0.25% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.00% |
| GADA INSURANCE SERVICES3 Filed as: GADA SERVICES INC. | 2060 POWERS FERRY ROAD SE ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $400 | — | $400 | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $292 | — | $292 | 3.65% |
| RICHARD POYTHRESS3 | 2918 PROFESSIONAL PKWY AUGUSTA, GA 30907 | AMERICAN FIDELITY ASSURANCE COMPANY | $108 | — | $108 | 1.35% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $3.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $3.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $1.9M |
| Short-term disability(5 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 55 | $259K |
| Long-term disability(5 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 55 | $259K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $3.3M |
| Other(7 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.