| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR, STE 102 OMAHA, NE 68154 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $34K | — | $34K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: SILVERSTON GRP A DIV OF HUB INTER | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.05% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR, STE 105 OMAHA, NE 681545311 | VISION SERVICE PLAN | $4K | — | $4K | 9.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 47.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 69.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: SILVERSTON GRP A DIV OF HUB INTER | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $950 | $950 | 6.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 70.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR, STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 50.14% |
| FOKKEN, BONNIE L.3 | 406 14TH ST SPIRIT LAKE, IA 51360 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $354 | — | $354 | 14.96% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 283 | $3.5M |
| Dental | DELTA DENTAL OF IOWA | 264 | $0 |
| Vision | VISION SERVICE PLAN | 195 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 363 | $73K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 283 | $3.5M |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 71 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.