| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | $3K | $8K | 15.50% |
| CHAD HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $2K | $63 | $2K | 4.30% |
| TONI L HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $1K | — | $1K | 3.22% |
| JANICE A ROBINSON3 | 22011 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $530 | — | $530 | 1.22% |
| CHARLES L PRICE3 | 915 E DONEGAL ONEILL, NE 68763 | AFLAC | $464 | — | $464 | 1.07% |
| KRINGS ENTERPRISES INC3 | 530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $282 | — | $282 | 0.65% |
| J A BELLOWS ENTERPRISES INC3 Filed as: JA BELLOWS ENTERPRISES INC | PO BOX 549 YORK, NE 68467 | AFLAC | $128 | $10 | $138 | 0.32% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $107 | — | $107 | 0.25% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $91 | — | $91 | 0.21% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRARIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $64 | — | $64 | 0.15% |
| KENNETH A OSTERMEIER3 | 345 COUNTY ROAD 3150 KEMPER, TX 76539 | AFLAC | $60 | — | $60 | 0.14% |
| JOHN M BENSON3 | 3835 PACE BLVD LINCOLN, NE 68502 | AFLAC | $55 | — | $55 | 0.13% |
| HAROLD F KRINGS3 | 3058 38TH AVE COLUMBUS, NE 68601 | AFLAC | $51 | — | $51 | 0.12% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $51 | — | $51 | 0.12% |
| WILLIAM O CORNELL3 | 121 LIME RD NE LAKE PLACID, FL 33852 | AFLAC | $45 | — | $45 | 0.10% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $37 | — | $37 | 0.09% |
| TAMARA E RUSH3 | 9319 TAYLOR CLIFF LANE CYPRESS, TX 77433 | AFLAC | $36 | — | $36 | 0.08% |
| DAWN SHERLOCK & ASSOCIATES INC3 | 8462 W WILDWOOD DR ALBA, NE 68810 | AFLAC | $30 | — | $30 | 0.07% |
| KERRY RAE BUTZKE3 | 1511 448TH UTICA, NE 68456 | AFLAC | $27 | — | $27 | 0.06% |
| JOSEPH J HERNANDEZ3 | 1891 HAYMARKET ROAD NUMBER 33 WAUKESHA, WI 53189 | AFLAC | $18 | — | $18 | 0.04% |
| JEANNE R BUFFINGTON3 | 24944 N US HIGHWAY 85 NEWCASTLE, WY 82701 | AFLAC | $16 | — | $16 | 0.04% |
| RONALD E WEISS3 | BOX 203 BEATRICE, NE 68310 | AFLAC | $14 | — | $14 | 0.03% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $12 | — | $12 | 0.03% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $11 | — | $11 | 0.03% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $9 | — | $9 | 0.02% |
| KRISTINA K DOSTAL3 | 905 WESTBROOK DRIVE NORFOLK, NE 68701 | AFLAC | $8 | — | $8 | 0.02% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $4 | — | $4 | 0.01% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTEMEIER | 345 COUNTY ROAD 3150 KEMPER, TX 76539 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL COPPESS3 | 108 N 49TH STREET SUITE 207 OMAHA, NE 68132 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $2 | — | $2 | 0.00% |
| KENNETH R THOMASON3 Filed as: KENNETH R THOMPSON | 4610 N 134TH AVENUE OMAHA, NE 68164 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL S CEJKA3 | 8200 RENATTA DRIVE APT 1201 LINCOLN, NE 68516 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY DIAN CROCKETT3 | 732 SILVER SANDS DRIVE CORDOVA, TN 38018 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $1K | $3K | 15.30% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH ALLIANCE | 250 | $2.1M |
| Dental | EDUCATORS HEALTH ALLIANCE | 250 | $2.1M |
| Vision | VISION SERVICE PLAN | 96 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 297 | $50K |
| Short-term disability | AFLAC | 60 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 305 | $22K |
| Prescription drug | EDUCATORS HEALTH ALLIANCE | 250 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 297 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.