| 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 | $17K | — | $17K | 3.96% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 3.42% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | HEALTH OPTIONS, INC. | $10K | — | $10K | 5.00% |
| 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 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.36% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $255 | $255 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER #2300 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $75 | — | $75 | 0.07% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $20 | $20 | 0.02% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $15 | — | $15 | 0.01% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.97% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.73% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.23% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.94% |
| AUTOMOBILE DEALERS ASSOC OF ALABAMA3 | 1335 CARMICHAEL WAY MONTGOMERY, AL 36106 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $473 | $473 | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER #2300 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $35 | — | $35 | 0.07% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | FLORIDA COMBINED LIFE | $2K | — | $2K | 6.20% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HAPER WOODS, MI 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.99% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | VISION SERVICE PLAN | $597 | — | $597 | 10.44% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $1.5M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $1.1M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $841K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $18K |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 53 | $247K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 53 | $247K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 106 | $1.5M |
| Other(5 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 247 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.