| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $16K | $32K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $16K | $31K | 10.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $12K | $23K | 10.83% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 5.64% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES | 220 N S GREEN ST. CHICAGO, IL 60607 | COMBINED INSURANCE | $44K | — | $44K | 32.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | COMBINED INSURANCE | $27K | — | $27K | 19.54% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 100 N. FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | COMBINED INSURANCE | $18K | — | $18K | 13.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | ASSURITY LIFE INSURANCE | $16K | — | $16K | 13.20% |
| PATRICK LILLIS4 | PO BOX 1102 BELLEVUE, NE 68005 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 18.09% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 4.78% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC. | DBA LEGAL BENEFIT CONSULTANTS PO BOX 1833 ST CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $56 | — | $56 | 0.17% |
| ANN M GIEBLER4 Filed as: ANN GIEBLER | 3738 S 149TH ST OMAHA, NE 68136 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6 | — | $6 | 0.02% |
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 | 1,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 345 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,408 | $155K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,532 | $535K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,185 | $299K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,408 | $981K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,408 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.