| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS KARLE3 Filed as: THOMAS M. KARLE | 20844 HARPER AVE, SUITE 101 HARPER WOODS, ME 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | — | $22K | 5.07% |
| LAKESIDE INSURANCE AGENCY3 | 43200 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.81% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.40% |
| THOMAS KARLE3 Filed as: THOMAS M. KARLE | 20844 HARPER AVENUE, SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73215 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | — | $9K | 9.20% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.84% |
| AUTOMOBILE DEALERS ASSOC OF ALABAMA3 | 1335 CARMICHAEL WAY MONTGOMERY, AL 36106 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $958 | $958 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $144 | — | $144 | 0.15% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 7.48% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.71% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $84 | — | $84 | 0.17% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 6.02% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.57% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $914 | $914 | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $15 | — | $15 | 0.04% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, ME 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.42% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 8.87% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 8.35% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $677 | — | $677 | 4.33% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $159 | — | $159 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $46 | — | $46 | 0.29% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $37 | $37 | 0.24% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E HOOVER, AL 35244 | VISION SERVICE PLAN | $800 | — | $800 | 10.00% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $2.1M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $1.9M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 130 | $989K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $21K |
| Short-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 79 | $199K |
| Long-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 79 | $199K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 130 | $2.1M |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.