| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 483048304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 3.03% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 0.62% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINCANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 480345053 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.14% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP - DEAN AUSTIN | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $6K | $62 | $6K | 10.15% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $5K | 9.13% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $5K | 8.08% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $907 | $3K | 4.68% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48034 | EYEMED VISION CARE | $982 | — | $982 | 10.87% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 167 | $970K |
| Dental | DELTA DENTAL OF MICHIGAN | 168 | $60K |
| Vision | EYEMED VISION CARE | 173 | $9K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 124 | $59K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 124 | $59K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 167 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.