| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS, INC | C/O HOWARD SHANDELL 12105 ANNE ST OMAHA, NE 68137 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $447 | — | $447 | 0.30% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS, INC | 12105 ANNE ST OMAHA, NE 68137 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS, INC | 12105 ANNE ST OMAHA, NE 68137 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | — | $506 | 1.45% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS, INC | 12105 ANNE ST OMAHA, NE 68137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.57% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS, INC | 12105 ANNE ST OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GRP A DIV OF HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $725 | — | $725 | 2.36% |
| MIDWEST BENEFIT ADVISORS INC3 Filed as: MIDWEST BENEFIT ADVISORS | 12105 ANNE ST OMAHA, NE 68137 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 13.55% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC DBA HUB INTER | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $283 | — | $283 | 1.27% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 341 | $151K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $35K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.