| 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 | $18K | — | $18K | 4.00% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 4.99% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 3.74% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | HEALTH OPTIONS | $9K | — | $9K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73215 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 5.18% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.92% |
| AUTOMOBILE DEALERS ASSOC OF ALABAMA3 | 1335 CARMICHAEL WAY MONTGOMERY, AL 36106 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $908 | $908 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $121 | — | $121 | 0.13% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 5.57% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.63% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $845 | $845 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $80 | — | $80 | 0.10% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $77 | $77 | 0.10% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $20 | — | $20 | 0.03% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 3.67% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.67% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | FLORIDA COMBINED LIFE | $2K | — | $2K | 6.04% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E HOOVER, AL 35244 | VISION SERVICE PLAN | $886 | — | $886 | 10.07% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $1.9M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $1.4M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 115 | $855K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $21K |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 60 | $242K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 60 | $242K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $1.8M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 259 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.