| 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 | $2K | $7K | 15.19% |
| TONI L HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $3K | $173 | $4K | 8.55% |
| CHAD HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $1K | — | $1K | 3.23% |
| JAMES A BELLOWS3 | PO BOX 549 YORK, NE 68467 | AFLAC | $483 | $7 | $490 | 1.20% |
| CHARLES L PRICE3 | 915 E DONEGAL ONEILL, NE 68763 | AFLAC | $345 | — | $345 | 0.84% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRARIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $307 | — | $307 | 0.75% |
| JANICE A ROBINSON3 | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $303 | — | $303 | 0.74% |
| MITCHELL M ALLNER3 | 8600 EXECUTIVE WOODS DR LINCOLN, NE 68515 | AFLAC | $209 | — | $209 | 0.51% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $71 | — | $71 | 0.17% |
| JOHN M BENSON3 | 3835 PACE BLVD LINCOLN, NE 68502 | AFLAC | $60 | — | $60 | 0.15% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAK DR SEBRING, FL 33875 | AFLAC | $59 | — | $59 | 0.14% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $47 | — | $47 | 0.11% |
| TAMARA E RUSH3 | 11250 MASON RD APT 14107 CYPRESS, TX 77433 | AFLAC | $39 | — | $39 | 0.10% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $36 | $3 | $39 | 0.10% |
| HAROLD F KRINGS3 | 3058 38TH AVE COLUMBUS, NE 68601 | AFLAC | $36 | — | $36 | 0.09% |
| DAWN SHERLOCK & ASSOCIATES INC3 | 7868 GERALD AVE LINCOLN, NE 68516 | AFLAC | $33 | — | $33 | 0.08% |
| THE WICHMANN GROUP INC3 | 12207 S 210TH STREET GRETNA, NE 68028 | AFLAC | $32 | — | $32 | 0.08% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $25 | $5 | $30 | 0.07% |
| CRAIG M REMMERS3 | 232 W LE BOST NOVI, NM 48375 | AFLAC | $25 | — | $25 | 0.06% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $16 | $3 | $19 | 0.05% |
| MICHAEL L BRAUN3 | 1718 DEVOE DR LINCOLN, NE 68506 | AFLAC | $18 | — | $18 | 0.04% |
| RONALD E WEISS3 | BOX 203 BEATRICE, NE 68310 | AFLAC | $16 | — | $16 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $14 | — | $14 | 0.03% |
| KENNETH A OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $10 | — | $10 | 0.02% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $10 | — | $10 | 0.02% |
| BUTZKE INSURANCE INC3 | 1511 448TH UTICA, NE 68456 | AFLAC | $10 | — | $10 | 0.02% |
| KENNETH R THOMASON3 Filed as: KENNETH R THOMPSON | 4610 N 134TH AVENUE OMAHA, NE 68164 | AFLAC | $9 | — | $9 | 0.02% |
| JOHN A DONALDSON3 | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | AFLAC | $8 | — | $8 | 0.02% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTEMEIER | 345 COUNTY ROAD 3150 KEMPER, TX 76539 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL COPPESS3 | 108 N 49TH STREET SUITE 207 OMAHA, NE 68132 | AFLAC | $7 | — | $7 | 0.02% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL S CEJKA3 | 5626 S 38TH STREET LINCOLN, NE 68516 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH J HERNANDEZ3 | 1061 QUINLAN DR UNIT D PEWAUKEE, WI 53072 | AFLAC | $5 | — | $5 | 0.01% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $4 | — | $4 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL J MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $2 | — | $2 | 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 | $4K | 15.42% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH ALLIANCE | 249 | $2.5M |
| Dental | EDUCATORS HEALTH ALLIANCE | 249 | $2.5M |
| Vision | VISION SERVICE PLAN | 153 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 315 | $48K |
| Short-term disability | AFLAC | 62 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 319 | $23K |
| Prescription drug | EDUCATORS HEALTH ALLIANCE | 249 | $2.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 315 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.