| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $15 | $8K | 10.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.32% |
| FINANCIAL ARCHITECTS, INC.3 Filed as: FINANCIAL ARCHITECTS, INC | 12345 UNVERSITY AVE STE 200 CLIVE, IA 50325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | VISION SERVICE PLAN | $819 | — | $819 | 6.86% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 176 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $73K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $92K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 50 | $19K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.