| 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 | $19K | $687 | $20K | 3.81% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 2.95% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | HEALTH OPTIONS | $10K | — | $10K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.86% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 2.69% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $227 | $227 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER #2300 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $19 | — | $19 | 0.02% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $15 | $15 | 0.01% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $10 | — | $10 | 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 | $4K | — | $4K | 4.62% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 2.25% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HARPER WOODS, MI 48225 | FLORIDA COMBINED LIFE | $2K | — | $2K | 8.15% |
| THOMAS KARLE3 | 20844 HARPER AVE SUITE 101 HAPER WOODS, MI 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.41% |
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 | 141 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 115 | $1.4M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 115 | $989K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 115 | $961K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $15K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 58 | $199K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 58 | $199K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 115 | $1.4M |
| Other(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 166 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.