| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 5.04% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.38% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $583 | $2K | 21.77% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $569 | $2K | 22.04% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $222 | $222 | 2.75% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $460 | $1K | 21.81% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $906 | $906 | 13.42% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $977 | $447 | $1K | 21.87% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | $357 | $1K | 21.52% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $906 | $906 | 16.57% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $705 | $314 | $1K | 21.69% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $876 | $876 | 18.64% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | $293 | $970 | 21.51% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $906 | $906 | 20.09% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | HERITAGE VISION PLANS, INC | $670 | — | $670 | — |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 483045053 | HERITAGE VISION PLANS, INC | — | — | $0 | — |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | -$4 | — | -$4 | — |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 98 | $410K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | HERITAGE VISION PLANS, INC | 97 | $0 |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $28K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $13K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 32 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 98 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.