| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC. | 1707 W BIG BEAVER RD TROY, MI 48084 | HEALTH ALLIANCE PLAN | $16K | — | $16K | 2.39% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP, LLC | 38500 WOODWARD AVENUE SUITE 360 BLOOMFIELD HILLS, MI 48304 | HEALTH ALLIANCE PLAN | $14K | — | $14K | 2.13% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC. | 1707 W BIG BEAVER RD TROY, MI 48084 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $14K | — | $14K | 2.20% |
| AUSTIN FINANCIAL GROUP LLC3 | 38500 WOODWARD AVE, #360 BLOOMFIELD HILLS, MI 48304 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $13K | — | $13K | 2.03% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP | 1707 W BIG BEAVER RD TROY, MI 480843510 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $60 | $11K | 9.34% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W BIG BEAVER RD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.13% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN BENEFIT GROUP | 38500 WOODWARD AVE STE 360 BLOOMFIELD HILLS, MI 48304 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.54% |
| AUSTIN FINANCIAL GROUP LLC3 | 40950 WOODWARD AVE SUITE 360 BLOOMFIELD HILLS, MI 48304 | GUARDIAN | $11K | $9K | $20K | 22.10% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GRP SERVICES | 1707 W BIG BEAVER ROAD TROY, MI 48084 | GUARDIAN | $3K | — | $3K | 3.13% |
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 | 117 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 132 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 273 | $112K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $212K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $212K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $212K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 132 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.