| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | BLUECROSS BLUESHIELD OF NEBRASKA | $11K | — | $11K | 6.76% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | BLUECROSS BLUESHIELD OF NEBRASKA | $5K | — | $5K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILL DRIVE OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $552 | $3K | 12.59% |
| GDP ADVISORS LLC3 | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF NE EIN 47-0095156 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $58K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $9K |
| PRIME THERAPEUTICS EIN 26-0076803 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $8K |
| SILVERSTONE GROUP, LLC EIN 47-0813106 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $22K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF NEBRASKA | 151 | $167K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.