| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $15K | $0 | $15K | 5.12% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $0 | $584 | $584 | 0.20% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 4.87% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $114 | $114 | 0.14% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 40950 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 19.37% |
| TODD W TAYLOR3 Filed as: TODD W. TAYLOR | 32488 NORFOLK STREET LIVONIA, MI 48152 | AFLAC | $3K | $44 | $3K | 11.41% |
| SHAUN M KLUG3 Filed as: SHAUN M. KLUG | 48187 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $418 | $14 | $432 | 1.59% |
| HANTZ AGENCY LLC3 Filed as: HANTZ AGENCY, LLC | 26200 AMERICAN DRIVE, 5TH FLOOR SOUTHFIELD, MI 48034 | AFLAC | $341 | $0 | $341 | 1.26% |
| THOMAS FRAZEE3 Filed as: THOMAS M. FRAZEE | 26400 LAHSER ROAD, SUITE 109 SOUTHFIELD, MI 48033 | AFLAC | $264 | $19 | $283 | 1.04% |
| ALAN BERGMANN3 Filed as: ALAN W. BERGMANN | 461 COKESBURY DRIVE THE VILLAGES, FL 32162 | AFLAC | $109 | $0 | $109 | 0.40% |
| AG AND ASSOCIATES3 Filed as: AG AND ASSOCIATES AND OTHER AGENTS | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $96 | $0 | $96 | 0.35% |
| SCOTT B KOHLMANN3 Filed as: SCOTT B. KOHLMANN | 6062 KELLY ROAD FLUSHING, MI 48433 | AFLAC | $50 | $0 | $50 | 0.18% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 41 | $376K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $56K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $56K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $56K |
| Short-term disability | AFLAC | 36 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 41 | $376K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.