| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $15K | $33K | 13.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $13K | $31K | 13.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $10K | $20K | 10.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 5.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AFLAC | $11K | — | $11K | 8.25% |
| DAVID JOHN BECK3 | 16636 FREDERICK CIR STE 105 OMAHA, NE 68130 | AFLAC | $894 | — | $894 | 0.68% |
| STEVEN R YENNEY3 | 18412 HOWARD ST ELKHORN, NE 68022 | AFLAC | $327 | $28 | $355 | 0.27% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $238 | — | $238 | 0.18% |
| MICHELLE J FRIEHE3 | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $227 | $4 | $231 | 0.18% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $140 | $34 | $174 | 0.13% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $98 | — | $98 | 0.07% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $30 | $34 | $64 | 0.05% |
| KRISTAN DANIEL3 | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $55 | — | $55 | 0.04% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR SUITE 150 OKEMOS, MI 48864 | AFLAC | $47 | — | $47 | 0.04% |
| KEVIN KARES3 Filed as: KEVIN S KARES | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $27 | $10 | $37 | 0.03% |
| SHAUN M KLUG3 | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $36 | — | $36 | 0.03% |
| JUSTIN M GOODENOUGH3 Filed as: JUSTIN GOODENOUGH | 2643 120TH AVE ALLEGAN, MI 49010 | AFLAC | $19 | — | $19 | 0.01% |
| DANIEL WICHMANN3 | 4611 S 96TH ST STE 107 OMAHA, NE 68127 | AFLAC | $17 | — | $17 | 0.01% |
| MARY E MERICA3 | 5211 N 150TH ST SUITE 105 OMAHA, NE 68116 | AFLAC | $16 | — | $16 | 0.01% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC | 2900 S 70TH ST STE 300 LINCOLN, NE 68506 | AFLAC | $13 | — | $13 | 0.01% |
| DAWN SHERLOCK & ASSOCIATES INC3 | 8462 W WILDWOOD DR ALBA, NE 68810 | AFLAC | $13 | — | $13 | 0.01% |
| MARGARET M LANIK3 | 2191 COUNTY RD E CERESCO, NE 68017 | AFLAC | $12 | — | $12 | 0.01% |
| ELIZABETH NEAL3 Filed as: ELIZABETH T NEAL | 1767 COUNTY ROAD F WAHOO, NE 68066 | AFLAC | $12 | — | $12 | 0.01% |
| TIM WOODARD3 | 614 CEDAR CT JONESVILLE, MI 49250 | AFLAC | $9 | — | $9 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 11213 DAVENPORT ST SUITE 201 OMAHA, NE 68154 | AFLAC | $8 | — | $8 | 0.01% |
| LESA KJELDGAARD3 | 7211 BRIARHURST DR LINCOLN, NE 68506 | AFLAC | $6 | $2 | $8 | 0.01% |
| EJ ENTERPRISES3 Filed as: E J ENTERPRISES INC | 10135 S 62ND ST OMAHA, NE 68136 | AFLAC | $7 | — | $7 | 0.01% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR STE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN A DONALDSON3 | 507 N SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $6 | — | $6 | 0.00% |
| KEVIN S HARRINGTON3 | 4800 HUDDERSFIELD CT LINCOLN, NE 68516 | AFLAC | $5 | — | $5 | 0.00% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $5 | — | $5 | 0.00% |
| MICHAEL COPPESS3 | 108 N 49TH ST SUITE 207 OMAHA, NE 68132 | AFLAC | $3 | — | $3 | 0.00% |
| KRINGS ENTERPRISES INC3 Filed as: KRINGS ENTERPRISES, INC | 2570 106TH ST SUITE A URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID J BECK | 16636 FREDERICK CIR OMAHA, NE 68130 | AFLAC | $4 | — | $4 | 0.61% |
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 | 1,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,814 | $148K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,016 | $473K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,939 | $183K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,016 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,814 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.