| 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 | $36K | — | $36K | 1.68% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.22% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $16K | $371 | $17K | 11.08% |
| AUSTIN FINANCIAL GROUP LLC3 | 40950 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 26.15% |
| RICHARD GRENAY3 Filed as: RICHARD J GRENAY | 2250 KILDARE DRIVE DAVISON, MI 48423 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $610 | — | $610 | 1.47% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.48% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $378 | $378 | 1.40% |
| RICHARD GRENAY3 | 3256 UNIVERSITY DRIVE SUITE 35 AUBURN HILLS, MI 48423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $361 | — | $361 | 1.33% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $701 | $3K | 12.23% |
| RICHARD GRENAY3 | 3256 UNIVERSITY DRIVE SUITE 35 AUBURN HILLS, MI 48423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $198 | — | $198 | 0.88% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.45% |
| RICHARD GRENAY3 | 3256 UNIVERSITY DRIVE SUITE 35 AUBURN HILLS, MI 48423 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $267 | — | $267 | 1.20% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $178 | $178 | 0.80% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 411 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 410 | $152K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 411 | $2.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.