| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74K | $21K | $96K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $21K | $88K | 6.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INCORPORATED | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101K | — | $101K | 12.95% |
| TANYA MULDER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70K | — | $70K | 9.00% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 1.91% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 0.98% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.79% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87K | — | $87K | 13.44% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83K | — | $83K | 12.92% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 2.08% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | — | $495 | 0.08% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 0.03% |
| TANYA MULDER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71K | — | $71K | 11.94% |
| TANYA MULDER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50K | — | $50K | 8.32% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 1.63% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.92% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.74% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $952 | — | $952 | 0.16% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 10.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 10.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $934 | — | $934 | 3.22% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.33% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.29% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NEBRASKA EIN 47-0095156 THIRD PARTY SVC PROV | Contract Administrator Service code 13 | — | $2.8M |
| MAXCARE LLC EIN 47-1448249 THIRD PARTY SVC PROVIDER | Contract Administrator Service code 13 | — | $353K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 THIRD PARTY SVC PROVIDER | Contract Administrator Service code 13 | — | $287K |
| RXRESULTS LLC EIN 26-3233073 THIRD PARTY SVC | Consulting (general) Service code 16 | — | $72K |
| BKD, LLP EIN 44-0160260 AUDIT SVC | Accounting (including auditing) Service code 10 | — | $17K |
| SILVERSTONE GROUP INC EIN 47-0813106 THIRD PARTY SVC PROVIDER | Consulting (general) Service code 16 | — | $0 |
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 | 6,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6,068 | $2.2M |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,203 | $1.8M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 474 | $74K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,437 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,068 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.