| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 22.12% |
| INSPRO INC3 Filed as: INSPRO - LINCOLN | 4000 PINE LAKE ROAD LINCOLN, NE 68506 | EYEMED | $3K | $0 | $3K | 9.24% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.93% |
| OCI INSURANCE AND FNCL SVCS INC3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.03% |
| 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 | $2K | $0 | $2K | 22.02% |
| 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 | $944 | $0 | $944 | 16.91% |
| 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 | $1K | $0 | $1K | 26.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $3 | $31 | 0.58% |
| 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 | $450 | $0 | $450 | 26.27% |
| 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 | $156 | $0 | $156 | 9.51% |
| 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 | $273 | $0 | $273 | 26.10% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 439 | $30K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 294 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $22K |
| Other(9 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.