| 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 COMPANY | $48K | — | $48K | 10.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | — | $32K | 6.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NATI | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORP | — | $5K | $5K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: SILVERSTONE GROUP LLC | PO BOX 542006 OMAHA, NE 681548006 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 681143722 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 1.84% |
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 | 1,099 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 1,560 | $9.8M |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,687 | $125K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $465K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $465K |
| Prescription drug | BLUECROSS BLUESHIELD | 1,560 | $9.8M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD | 1,560 | $9.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,099 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,687 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.