| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNERS GROUP LLC | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | — | $48K | 3.29% |
| STEALTH PARTNER GROUP LLC3 | 9375 E SHEA BLVD STE 205 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $29K | $29K | 1.99% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC | PO BOX 845052 LOS ANGELES, CA 90084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO (1) | — | $15K | $15K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE | $25K | — | $25K | 17.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR SUITE 100 OMAHA, NE 68154 | MUTUAL OF OMAHA INSURANCE COMPANY | $392 | — | $392 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $429K |
| OPTUM BANK EIN 47-0858534 NONE | Account maintenance fees Service code 65 | — | $17K |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 995 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE | 203 | $138K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,021 | $55K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO (1) | 991 | $302K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 638 | $226K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 753 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 991 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.