| 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 | $9K | 16.79% |
| TONI L HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $3K | $85 | $3K | 7.89% |
| CHAD HARMS3 Filed as: CHAD E HARMS | PO BOX 638 GENOA, NE 68640 | AFLAC | $888 | — | $888 | 2.01% |
| JAMES A BELLOWS3 | 205 S LINCOLN AVE STE 203 YORK, NE 68467 | AFLAC | $660 | $17 | $677 | 1.53% |
| CHAD HARMS3 | 5925 E STATE HWY 41 ADAMS, NE 68301 | AFLAC | $413 | — | $413 | 0.93% |
| CHARLES L PRICE3 | 915 E DONEGAL ONEILL, NE 68763 | AFLAC | $327 | — | $327 | 0.74% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1330 PRARIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $305 | — | $305 | 0.69% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $286 | — | $286 | 0.65% |
| JANICE A ROBINSON3 | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $279 | — | $279 | 0.63% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $72 | — | $72 | 0.16% |
| MITCHELL M ALLNER3 | 701 W 101ST PL S APT 1801 JENKS, OK 74037 | AFLAC | $49 | $17 | $66 | 0.15% |
| JOHN M BENSON3 | 3835 PACE BLVD LINCOLN, NE 68502 | AFLAC | $65 | — | $65 | 0.15% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAK DR SEBRING, FL 33875 | AFLAC | $55 | — | $55 | 0.12% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $46 | — | $46 | 0.10% |
| TAMARA E RUSH3 | 11250 MASON RD APT 14107 CYPRESS, TX 77433 | AFLAC | $42 | — | $42 | 0.09% |
| THE WICHMANN GROUP INC3 | 12207 S 210TH STREET GRETNA, NE 68028 | AFLAC | $35 | — | $35 | 0.08% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $29 | — | $29 | 0.07% |
| CRAIG M REMMERS3 | 23245 W LE BOST NOVI, MI 48375 | AFLAC | $27 | — | $27 | 0.06% |
| DAWN R SHERLOCK3 | 2804 NORTHWEST AVE GRAND ISLAND, NE 68803 | AFLAC | $25 | — | $25 | 0.06% |
| HAROLD F KRINGS3 | 3058 38TH AVE COLUMBUS, NE 68601 | AFLAC | $22 | — | $22 | 0.05% |
| MICHAEL L BRAUN3 | 1718 DEVOE DR LINCOLN, NE 68506 | AFLAC | $19 | — | $19 | 0.04% |
| RONALD E WEISS3 | 1210 S 4TH AVE BEATRICE, NE 68310 | AFLAC | $17 | — | $17 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $13 | — | $13 | 0.03% |
| DAWN SHERLOCK & ASSOCIATES INC3 | 7868 GERALD AVE LINCOLN, NE 68516 | AFLAC | $11 | — | $11 | 0.02% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $11 | — | $11 | 0.02% |
| BUTZKE INSURANCE INC3 | 1511 448TH UTICA, NE 68456 | AFLAC | $11 | — | $11 | 0.02% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $11 | — | $11 | 0.02% |
| KENNETH A OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $10 | — | $10 | 0.02% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $9 | — | $9 | 0.02% |
| JOHN A DONALDSON3 | 2004 98 PALMS BLVD UNIT 4336 DESTIN, FL 32541 | AFLAC | $9 | — | $9 | 0.02% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTEMEIER | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $7 | — | $7 | 0.02% |
| KENNETH R THOMASON3 Filed as: KENNETH R THOMPSON | 4610 N 134TH AVENUE OMAHA, NE 68164 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL COPPESS3 | 108 N 49TH STREET SUITE 207 OMAHA, NE 68132 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $6 | — | $6 | 0.01% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $5 | — | $5 | 0.01% |
| JOSEPH J HERNANDEZ3 | 1061 QUINLAN DR UNIT D PEWAUKEE, WI 53072 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL S CEJKA3 | 2854 BRUMMOND DR LINCOLN, NE 68516 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL J MCMECHAN3 | 2244 COUNTRY CLUB ROAD GRENADA, MS 38901 | AFLAC | $3 | — | $3 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | 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 | $2K | $4K | 17.10% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH ALLIANCE | 222 | $2.5M |
| Dental | EDUCATORS HEALTH ALLIANCE | 222 | $2.5M |
| Vision | VISION SERVICE PLAN | 150 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 302 | $51K |
| Short-term disability | AFLAC | 60 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 306 | $23K |
| Prescription drug | EDUCATORS HEALTH ALLIANCE | 222 | $2.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 302 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.