| 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 | $38K | $0 | $38K | 7.76% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.57% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY, SUITE 6 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.55% |
| DEAN E. AUSTIN3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 7.08% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $0 | $437 | $437 | 1.03% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY, SUITE 6 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $230 | $0 | $230 | 0.54% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $720 | $4K | 16.44% |
| AUSTIN FINANCIAL GROUP LLC5 Filed as: AUSTIN FINANCIAL GROUP | 38500 WOODWARD AVENUE, SUITE 360 BLOOMFIELD HILLS, MI 48304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.37% |
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 | 131 | 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) | 131 | 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 | 102 | $532K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 102 | $532K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.