| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | BLUECROSS BLUESHIELD OF NEBRASKA | $41K | — | $41K | 2.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | BLUECROSS BLUESHIELD OF NEBRASKA | $9K | — | $9K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $632 | $632 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $493 | — | $493 | 1.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $454 | $454 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68118 | AMERITAS LIFE INSURANCE CORP. | $2K | $372 | $2K | 9.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | AMERITAS LIFE INSURANCE CORP. | $402 | — | $402 | 1.64% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 1.01% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 0.73% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 S NEOSHO BLVD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $335 | — | $335 | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $96 | $96 | 0.68% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 37.88% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $933 | — | $933 | 11.77% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ | CHARLOETTE R 718 DUNBAR AVENUE #3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $842 | — | $842 | 15.84% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 177750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $204 | — | $204 | 3.84% |
| MODERN BENEFITS INC3 | 22748 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $949 | — | $949 | 27.95% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 7.60% |
| MODERN BENEFITS INC3 | 22849 MIDLAND DRIVE SHAWNEE, KS 66226 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $390 | — | $390 | 40.88% |
| GREGG A ANDERSON3 Filed as: GREGG YOUNG INS SVCS | 17750 BURT ST OMAHA, NE 68118 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 11.64% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 321 | $1.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 327 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $27K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.