| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 2.11% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $672 | $672 | 0.04% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 16.36% |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.54% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $15K | $377 | $16K | 11.20% |
| AUSTIN FINANCIAL GROUP LLC3 | 40950 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 16.05% |
| LIFETIME FINANCIAL GROWTH OF MICHIG3 | 29800 TELEGRAPH ROAD SOUTHFIELD, MI 48034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $804 | $0 | $804 | 0.81% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 WEST 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57 | $0 | $57 | 0.06% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 16.41% |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.91% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 303 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 257 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $100K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $369K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $269K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 303 | $1.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.