| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRICLE HILLS DR STE 102 OMAHA, NE 68154 | DELTA DENTAL OF IOWA | $6K | $4K | $10K | 7.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRICLE HILLS DR STE 100 OMAHA, NE 68154 | ALLSTATE BENEFITS | $14K | $0 | $14K | 26.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: SIVERTONE GRP A DIV OF HUB INTER. | 11516 MIRICLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRICLE HILLS DR STE 100 OMAHA, NE 68154 | ALLSTATE BENEFITS | $13K | $0 | $13K | 35.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRICLE HILLS DR STE 105 OMAHA, NE 68154 | VISON SERVICE PLAN | $3K | $0 | $3K | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: SIVERTONE GRP A DIV OF HUB INTER. | 11516 MIRICLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $803 | $2K | 16.64% |
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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK, INC. | 290 | $4.8M |
| Dental | DELTA DENTAL OF IOWA | 231 | $130K |
| Vision | VISON SERVICE PLAN | 218 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 435 | $12K |
| Short-term disability(3 contracts, 2 carriers) | ALLSTATE BENEFITS | 184 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.