| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORACIO J. CABRAL3 | P.O. BOX 824 ENFIELD, CT 06083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 17.00% |
| HORACIO J. CABRAL3 | P.O. BOX 824 ENFIELD, CT 06083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 17.00% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $533 | — | $533 | 1.20% |
| HORACIO J. CABRAL3 | P.O. BOX 824 ENFIELD, CT 06083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.38% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.99% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $576 | — | $576 | 1.72% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $586 | — | $586 | 2.92% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 1.34% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 1.17% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.60% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.44% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INS. AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $724 | — | $724 | 3.83% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | — | $527 | 2.79% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 1.59% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 21.50% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INS. AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.80% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $679 | — | $679 | 8.60% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $403 | — | $403 | 5.11% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $844 | — | $844 | 13.12% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INS. AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $457 | — | $457 | 7.10% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $407 | — | $407 | 6.32% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 3.05% |
| HORACIO J. CABRAL3 | P.O. BOX 824 ENFIELD, CT 06083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $954 | — | $954 | 15.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $579 | — | $579 | 9.96% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INSURANCE AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $356 | — | $356 | 6.12% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 4.14% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ, CHARLOTTE R | 718 DUNBAR AVE STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 2.48% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $579 | — | $579 | 10.13% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INS. AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $360 | — | $360 | 6.30% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 4.02% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 2.40% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.19% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 4.63% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 2.57% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 1.85% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.99% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $594 | — | $594 | 12.02% |
| HOFFMAN INS AGENCY OF CT LLC3 Filed as: HOFFMAN INS. AGENCY OF CT LLC | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $365 | — | $365 | 7.39% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $234 | — | $234 | 4.74% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 2.79% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 48068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 2.98% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.05% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.05% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.53% |
| ALKEME INSURANCE SERVICES INC3 | DBA KEELER AND ASSOCIATES 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.70% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.70% |
| ANTHONY BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.70% |
| HOFFMAN INS AGENCY OF CT LLC3 | BOX 549, 36 ALBANY TURNPIKE WEST SIMSBURY, CT 06092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.35% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.35% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 287 | $172K |
| Vision | METLIFE | 287 | $172K |
| Life insurance(12 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $158K |
| Short-term disability(11 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $174K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $45K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.