| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR. STE 100 OMAHA, NE 681544473 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOC LLC | PO BOX 9207 DES MOINES, IA 503069207 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 17.42% |
| CURTIS A TAYLOR3 | 6317 NW 95TH ST. JOHNSTON, IA 50131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 0.30% |
| JACKLYN WEEKLEY3 | 17923 PIERCE PLAZA OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 0.23% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.10% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.09% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE P O BOX 542006 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP INC | 11516 MIRACLE HILLS DR. OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.73% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 214 | $62K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $72K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 999 | $107K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 214 | $62K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 999 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.