| 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 | $33K | — | $33K | 4.99% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $617 | $617 | 0.09% |
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 5.23% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | — | $89 | $89 | 0.12% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDS 0B5RT | $4K | — | $4K | 10.00% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GVTL 0B5RT | $3K | — | $3K | 15.00% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | $2K | — | $2K | 15.00% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLTD 0B5RT | — | $246 | $246 | 1.94% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUC 0B5RT | $2K | — | $2K | 15.00% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | $1K | — | $1K | 15.00% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDH 0B5RT | — | $1K | $1K | 12.20% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUG OB5RT | $1K | — | $1K | 15.00% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUG OB5RT | — | $246 | $246 | 2.78% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP LLC | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | HERITAGE VISION PLANS, INC | $905 | — | $905 | 11.25% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | — | $1K | $1K | 15.18% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GUDE 0B5RT | $1K | — | $1K | 15.01% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | — | $1K | $1K | 15.15% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, STE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA GLUG 0B5RT | $1K | — | $1K | 15.00% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | 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 | 114 | $736K |
| Dental | UNITED OF OMAHA GUDS 0B5RT | 46 | $40K |
| Vision | HERITAGE VISION PLANS, INC | 116 | $8K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA GVTL 0B5RT | 187 | $34K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA GUC 0B5RT | 43 | $29K |
| Long-term disability | UNITED OF OMAHA GLTD 0B5RT | 43 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 114 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.