| 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 | BLUECROSS BLUESHIELD OF NEBRASKA | — | $20 | $20 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | VISION SERVICE PLAN | $1K | — | $1K | 3.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $296 | — | $296 | 0.80% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $61 | — | $61 | 0.29% |
| UNICO GROUP INC3 Filed as: UNICO GROUP LLC | 1128 LINCOLN MALL LINCOLN, NE 68508 | HARTFORD LIFE AND ACCIDENT | $181 | — | $181 | 15.01% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $1 | — | $1 | 0.27% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 452 | $3.0M |
| Dental | DELTA DENTAL OF NEBRASKA | 450 | $101K |
| Vision | VISION SERVICE PLAN | 420 | $37K |
| Life insurance | ASSURITY LIFE INSURANCE COMPANY | 379 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 272 | $21K |
| Other(3 contracts, 3 carriers) | ASSURITY LIFE INSURANCE COMPANY | 440 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.