| 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 | $24K | — | $24K | 4.64% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD, STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.84% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $294 | $294 | 0.06% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDS 0B5RT | $3K | $706 | $3K | 12.63% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GVTL 0B5RT | $1K | $758 | $2K | 22.66% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | $1K | $621 | $2K | 21.68% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | — | $222 | $222 | 2.39% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUG OB5RT | $904 | $428 | $1K | 22.09% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUG OB5RT | — | $906 | $906 | 15.02% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | $843 | $401 | $1K | 22.14% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | — | $906 | $906 | 16.13% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLOC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | HERITAGE VISION PLANS, INC | $543 | — | $543 | 10.55% |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 483045053 | HERITAGE VISION PLANS, INC | — | — | $0 | 0.00% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUC 0B5RT | $631 | $333 | $964 | 22.90% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | — | $906 | $906 | 23.29% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | $584 | $307 | $891 | 22.90% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | — | $876 | $876 | 23.86% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | $551 | $257 | $808 | 22.00% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUPR 0B5RT | $489 | $344 | $833 | 25.55% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $511K |
| Dental | UNITED OF OMAHA GUDS 0B5RT | 35 | $27K |
| Vision | HERITAGE VISION PLANS, INC | 76 | $5K |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA GVTL 0B5RT | 180 | $23K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA GUG OB5RT | 33 | $10K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA GLTD 0B5RT | 33 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.