| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $2K | $2K | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | — | $2K | 6.74% |
| INSPRO INC3 | 12702 WESTPORT PKWY STE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE CO. | $916 | — | $916 | 3.26% |
| MARSH & MCLENNAN AGENCY LLC | 100 E 6TH ST FREMONT, NE 680255030 | VISION SERVICE PLAN | $729 | — | $729 | 2.63% |
| TONI L HARMS3 | 5925 E STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $1K | $137 | $1K | 6.06% |
| CHAD HARMS3 Filed as: CHAD E HARMS | 5925 E STATE HIGHWAY 41 ADAMS, NE 68301 | AFLAC | $717 | — | $717 | 2.91% |
| CHARLES L PRICE3 | 915 E DONEGAL ST O NEILL, NE 68763 | AFLAC | $176 | — | $176 | 0.72% |
| JAMES A BELLOWS | 205 S LINCOLN AVE STE 203 YORK, NE 68467 | AFLAC | $167 | — | $167 | 0.68% |
| JANICE A ROBINSON Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $128 | — | $128 | 0.52% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $112 | — | $112 | 0.46% |
| SVEHLA & ASSOCIATES INC3 | 1440 WESTFORK DR RAYMOND, NE 68428 | AFLAC | $77 | $32 | $109 | 0.44% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $44 | — | $44 | 0.18% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $41 | — | $41 | 0.17% |
| JOHN M BENSON3 | 3835 PACE BLVD. LINCOLN, NE 68502 | AFLAC | $40 | — | $40 | 0.16% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $37 | — | $37 | 0.15% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $27 | — | $27 | 0.11% |
| TAMARA E RUSH3 | 11250 MASON RD APT 14107 CYPRESS, TX 77433 | AFLAC | $26 | — | $26 | 0.11% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $23 | — | $23 | 0.09% |
| DAWN R SHERLOCK3 | 2804 NORTHWEST AVE GRAND ISLAND, NE 68803 | AFLAC | $22 | — | $22 | 0.09% |
| RONALD E WEISS3 | 1210 S 4TH AVE BEATRICE, NE 68310 | AFLAC | $19 | — | $19 | 0.08% |
| KATRINA K MCMECHAN3 | 2244 COUNTRY CLUB RD GRENADA, MS 38901 | AFLAC | $18 | — | $18 | 0.07% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $16 | — | $16 | 0.07% |
| GLENN E. SCHWAB3 Filed as: GLENN E SCHWAB | 1620 N 17TH ST BEATRICE, NE 68310 | AFLAC | $15 | — | $15 | 0.06% |
| HAROLD F KRINGS3 | 3058 38TH AVE COLUMBUS, NE 68601 | AFLAC | $14 | — | $14 | 0.06% |
| THE WICHMANN GROUP INC3 | 1106 W 61ST ST KEARNEY, NE 68845 | AFLAC | $10 | — | $10 | 0.04% |
| BRANDON M. DRAEGER3 Filed as: BRANDON M DRAEGER | 649 COUNTY ROAD 2500 CRETE, NE 68333 | AFLAC | $7 | — | $7 | 0.03% |
| BUTZKE INSURANCE INC3 | 3355 FLETCHER RD SEWARD, NE 68434 | AFLAC | $7 | — | $7 | 0.03% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $7 | — | $7 | 0.03% |
| KENNETH A OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $7 | — | $7 | 0.03% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $7 | — | $7 | 0.03% |
| STACEY A KRINGS3 | 1330 PRAIRIE RIDGE DR POLK CITY, IA 50226 | AFLAC | $6 | — | $6 | 0.02% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $5 | — | $5 | 0.02% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $5 | — | $5 | 0.02% |
| MITCHELL M ALLNER3 | 701 W 101ST PL S APT 1801 JENKS, OK 74037 | AFLAC | $5 | — | $5 | 0.02% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $5 | — | $5 | 0.02% |
| JEFFREY HIMMELRICK3 | 2215 W A ST NORTH PLATTE, NE 69101 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL COPPESS3 | 108 N 49TH ST STE 207 OMAHA, NE 68132 | AFLAC | $4 | — | $4 | 0.02% |
| KENNETH R THOMASON3 | 4610 N 134TH AVE OMAHA, NE 68164 | AFLAC | $3 | — | $3 | 0.01% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTERMEIER | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH J HERNANDEZ3 | 1061 QUINLAN DR UNIT D PEWAUKEE, WI 53072 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL S CEJKA | 2854 BRUMMOND DR LINCLON, NE 68516 | AFLAC | $3 | — | $3 | 0.01% |
| STEPHANIE A. SVEHLA3 Filed as: STEPHANIE A SVEHLA | 1440 WESTFORK DR RAYMOND, NE 68428 | AFLAC | $2 | — | $2 | 0.01% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL J MCMECHAN3 | 2244 COUNTRY CLUB RD GRENADA, MS 38901 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | $2K | — | $2K | 6.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $2K | $2K | 6.57% |
| INSPRO INC3 | 12702 WESTPORT PKWY STE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE CO. | $771 | — | $771 | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | — | $909 | $909 | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE CO. | $779 | — | $779 | 6.48% |
| INSPRO INC3 | 12702 WESTPORT PKWY STE 200 LA VISTA, NE 68138 | UNITED OF OMAHA LIFE INSURANCE CO. | $424 | — | $424 | 3.52% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH ALLIANCE | 223 | $2.6M |
| Dental | EDUCATORS HEALTH ALLIANCE | 223 | $2.6M |
| Vision | VISION SERVICE PLAN | 147 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 292 | $40K |
| Short-term disability | AFLAC | 52 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO. | 288 | $23K |
| Prescription drug | EDUCATORS HEALTH ALLIANCE | 223 | $2.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO. | 292 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.