| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 4.84% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $705 | $705 | 0.14% |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 5.15% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | — | $160 | $160 | 0.07% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | HERITAGE VISION PLANS, INC | $870 | — | $870 | 10.08% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP | 40950 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | GUARDIAN | $19K | — | $19K | — |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 70 | $712K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA (GUDS) | 150 | $0 |
| Vision | HERITAGE VISION PLANS, INC | 108 | $9K |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA (GLUG) | 150 | $0 |
| Short-term disability(4 contracts, 4 carriers) | UNITED OF OMAHA (GUDH) | 150 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA (GLTD) | 150 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 70 | $712K |
| Other | GUARDIAN | 150 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.