| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | BLUE CROSS BLUE SHIELD OF NEBRASKA | — | $19K | $19K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NEBRASKA EIN 47-0095156 | Claims processing Service code 12 | PO BOX 3248 OMAHA, NE 68180 | $444K |
| LARRY MURRAY EIN 47-0469477 | Plan Administrator; Employee (plan) Service code 14 | 10334 ELLISON CIRCLE OMAHA, NE 68134 | $63K |
| ISSI EIN 23-2182079 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | ROUTE 70 CUTHBERT BLVD CHERRY HILL, NJ 08002 | $43K |
| SILVERSTONE GROUP EIN 47-0813106 | Consulting fees; Actuarial Service code 11 | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $42K |
| LISA NOVAK EIN 47-0469477 | Employee (plan) Service code 30 | 10334 ELLISON CIRCLE OMAHA, NE 68134 | $42K |
| PAT ELLIOTT EIN 47-0469477 | Employee (plan) Service code 30 | 10334 ELLISON CIRCLE OMAHA, NE 68134 | $38K |
| CHRIS CLAWSON EIN 47-0469477 | Employee (plan) Service code 30 | 10334 ELLISON CIRCLE OMAHA, NE 68134 | $36K |
| DEBOER & ASSOCIATES, PC EIN 47-0836395 | Accounting (including auditing) Service code 10 | 17330 WRIGHT ST. STE. 100 OMAHA, NE 68130 | $32K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 | Investment advisory (plan); Custodial (securities) Service code 19 | 800 EAST 96 ST, STE 400 INDIANAPOLIS, IN 46240 | $5K |
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 | 762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 2,018 | $10.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 795 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEBRASKA | 2,018 | $10.9M |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 745 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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.
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.