| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SERVICES LLC | 7415 W 130TH SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $93K | — | $93K | 11.17% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | — | $38K | $38K | 4.54% |
| TIM OLSON INC3 | 16820 FRANCIS STREET STE 202 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | METLIFE LEGAL PLANS | $3K | $45 | $3K | 9.36% |
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 | 1,403 | 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) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,984 | $832K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,984 | $832K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,984 | $832K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,984 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,984 | — |
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.