| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 Filed as: DEAN E AUSTIN | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 483048304 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 2.38% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $8K | $211 | $9K | 10.14% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.34% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.08% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.35% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.60% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFITS GROUP | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | VISION SERVICE PLAN | $2K | — | $2K | 10.02% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $858 | $3K | 21.28% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 9.26% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $693 | $2K | 22.18% |
| AUSTIN FINANCIAL GROUP LLC5 | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $521 | $521 | 5.40% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 313 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 317 | $84K |
| Vision | VISION SERVICE PLAN | 152 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $28K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 313 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.