| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 | 38500 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 483048304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | — | $52K | 4.53% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 19.63% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 8.10% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.67% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $785 | — | $785 | 8.04% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 220 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 230 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 233 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $98K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.