| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM OLSON INC3 | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORP. | $6K | $2K | $8K | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 3.59% |
| TIM OLSON INC3 | 16820 FRANCES STREET STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $254 | $2K | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $325 | $71 | $396 | 1.41% |
| TIM OLSON INC3 | 16820 FRANCES STREET STE 202 OMAHA, NE 68130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $261 | $2K | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | $123 | $685 | 2.46% |
| TIM OLSON INC3 | 16820 FRANCES STREET STE 202 OMAHA, NE 68130 | UNUM LIFE ISURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.42% |
| VESTA VOLUNARY SPECIALISTS INC3 | STE 207 108 N 49TH STREET OMAHA, NE 68132 | UNUM LIFE ISURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.01% |
| TIM OLSON INC3 | 16820 FRANCES ST STE 202 OMAHA, NE 68130 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $57 | $4K | 16.68% |
| VESTA VOLUNTARY SPECIALISTS INC3 | 4910 DODGE ST STE 103 OMAHA, NE 68132 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| TIM OLSON INC3 | 16820 FRANCES ST OMAHA, NE 68130 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $29 | $2K | 17.88% |
| VESTA VOLUNTARY SPECIALISTS INC3 | 4910 DODGE ST STE 103 OMAHA, NE 68132 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.25% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 248 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 248 | $99K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $28K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.