| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.58% |
| INSPRO INC3 Filed as: INSPRO INC. | PO BOX 6847 LINCOLN, NE 68506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $960 | — | $960 | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 56.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $847 | $4K | 15.11% |
| INSPRO INC3 Filed as: INSPRO, INC. | P.O. BOX 6847 LINCOLN, NE 68506 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $822 | — | $822 | 3.47% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 418 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $24K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 307 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
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.