| 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 68154 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 4.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVS OF CA | 3697 MT DIABLO BLVD., STE 100 LAFAYETTE, CA 945493745 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR., STE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 20.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS OF CA | 3697 MT DIABLO BLVD., STE 100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE CO. | $241 | — | $241 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVS INC | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 94549 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC. | 11516 MIRACLE HILLS DR., STE 100 OMAHA, NE 68154 | HARTFORD LIFE AND ACCIDENT | $726 | — | $726 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $48 | $48 | 0.99% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 310 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 506 | $374K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 506 | $374K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 506 | $374K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 541 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.