| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNN AGENCY | 332 WEST SUPERIOR STREET, SUITE 700 DULUTH, MN 55802 | EYEMED VISION CARE | $3K | $0 | $3K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 55428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR SUITE 102 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.15% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| LEANNE R PETERSON3 | 1809 SOUTH BROADWAY MINOT, ND 58701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SHELBY J BARSTAD3 | 106 9TH ST W VELVA, ND 58790 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BRADY L WEISENBERGER3 | 2102 26 1/2 COURT S FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| KENNETH R THOMASON3 | 14710 WEST DODGE ROAD SUITE 200 OMAHA, NE 68154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MITCHELL FRIEHE & ASSOCIATES INC3 | 16909 PALISADE S DR. OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 408 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $59K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.