| 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 | PRINCIPAL LIFE INSURANCE COMPANY | — | $26K | $26K | 5.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 8.92% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.05% |
| RALPH H KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.89% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $609 | — | $609 | 0.35% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 0.14% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.54% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 0.40% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 9.93% |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,412 | $774K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,439 | $73K |
| Life insurance(4 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,412 | $1.1M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $132K |
| Long-term disability(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,412 | $896K |
| Other(7 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,412 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,439 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.