| 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 | $25K | — | $25K | 4.96% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD, STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.74% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $575 | $575 | 0.11% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDS 0B5RT | $3K | $878 | $4K | 13.20% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GVTL 0B5RT | $2K | $679 | $2K | 20.84% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | $2K | $674 | $2K | 21.24% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | — | $192 | $192 | 1.78% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | HERITAGE VISION PLANS, INC | $678 | — | $678 | 9.14% |
| 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 GUG OB5RT | $1K | $443 | $2K | 21.27% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUG OB5RT | — | $192 | $192 | 2.72% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | $1K | $394 | $1K | 20.88% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | — | $900 | $900 | 13.44% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | $971 | $386 | $1K | 20.96% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | — | $876 | $876 | 13.53% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | $899 | $373 | $1K | 21.22% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 350 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | — | $870 | $870 | 14.52% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUC 0B5RT | $504 | $260 | $764 | 22.74% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUPR 0B5RT | — | — | $0 | — |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $513K |
| Dental | UNITED OF OMAHA GUDS 0B5RT | 38 | $27K |
| Vision | HERITAGE VISION PLANS, INC | 108 | $7K |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA GVTL 0B5RT | 189 | $31K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA GUG OB5RT | 35 | $10K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA GLTD 0B5RT | 35 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 91 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.