| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $88K | $0 | $88K | 5.38% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.29% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 40950 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $9K | $57K | 18.91% |
| LIFETIME FINANCIAL GROWTH OF M3 | UNKNOWN MADISON HEIGHTS, MI 48071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.90% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES, LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $709 | $0 | $709 | 33.24% |
| AUSTIN FINANCIAL GROUP LLC4 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $140 | $0 | $140 | 6.56% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 245 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $299K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $299K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $299K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $299K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $299K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 245 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.