| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $12K | 15.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.82% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.40% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 40 E ALAMAR AVE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | — | $937 | $937 | 4.31% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $2.1M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 305 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $73K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.