| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNERS GROUP LLC | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $71K | — | $71K | 4.60% |
| 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 | — | $18K | $18K | 7.01% |
| 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 | — | $16K | $16K | 6.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 22.78% |
| 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 | — | $3K | $3K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTER. | 11516 MIRACLE HILLS DR STE 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 | Claims processing; Other services Service code 12 | — | $419K |
| 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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 467 | $152K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,029 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,015 | $304K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 646 | $234K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 728 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,015 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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 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.