| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | SANFORD HEALTH PLAN | $17K | — | $17K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $491 | $2K | 12.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | EYE MED | $1K | — | $1K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | EYE MED | $325 | — | $325 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | $53 | $328 | 17.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SUZIE HURLEY (SILVERSTONE GROUP) | 1300 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $932 | — | $932 | — |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 344 | $2.0M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 347 | $0 |
| Vision | EYE MED | 369 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $19K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.