| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR STE 102 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 23.16% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | — | $168 | 0.49% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.23% |
| THE WICHMAN GROUP INC3 | 1135 RIDGE CREEK CIR UNIT 102 WAUKESHA, WI 53186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| LEANNE R PETERSON3 | 1809 SOUTH BROADWAY MINOT, ND 58701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| SHELBY J BARSTAD3 | PO BOX 345 VELVA, ND 58790 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| BRADY L WEISENBERGER3 | 2102 26 1/2 COURT S FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADE S DR OMAHA, NE 69136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 227 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.