| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 1300 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 1.36% |
| S S NESBITT & CO INC3 | 3500 BLUE LAKE DR STE 100 VESTAVIA, AL 352431909 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | METROPOLITAN LIFE INSURANCE COMPANY | $890 | $374 | $1K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | METROPOLITAN LIFE INSURANCE COMPANY | $162 | $31 | $193 | 17.48% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $712K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 227 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $22K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $12K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4 | $1K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $712K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 243 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
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.