| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 10.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 24.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $726 | — | $726 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $375 | — | $375 | 12.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | PO BOX 71542 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHAH, NE 68154 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $391 | — | $391 | 13.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 10050 REGENCY CIR STE 300 OMAHA, NE 68114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$229 | — | -$229 | -7.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | PO BOX 71542 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$229 | — | -$229 | -7.69% |
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 | 568 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 673 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,338 | $140K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 535 | $169K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 535 | $169K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,338 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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.