| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $472 | $3K | 15.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $110 | $2K | 15.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $196 | $2K | 16.45% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 499 | $111K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 499 | $111K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 420 | $62K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $13K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $36K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 420 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.