| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | — | $46K | 16.44% |
| JOHN W LOWDERMILK3 Filed as: JOHN DOWNING | 5299 DTC BLVD. SUITE 425 GEENWOOD VILLAGE, CO 80111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32K | — | $32K | 11.48% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 2.29% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY 4TH FLOOR WHITE PLAINS, NY 10601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 1.86% |
| STEPHANIE A LEVINS3 Filed as: STEPHANIE LEVINS | 3941 HERITAGE VIEW TRAIL WAKE FOREST, NC 27587 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $458 | — | $458 | 0.16% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE INC. | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | — | $271 | 0.10% |
| DOWN COURT GROUP INC.3 | 5299 DTC BLVD. SUITE 425 GREENWOOD VILLAGE, CO 80111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.41% |
| COBIZ INSURANCE3 Filed as: COBIZ INSURANCE EMPLOYEE | 1401 LAWRENCE STREET SUITE 1200 DENVER, CA 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.59% |
| ASSOCIATES GROUP OF COMPANIES3 | 8400 E. PRENTICE AVENUE SUITE 300 GREENWOOD VILLAGE, CA 80111 | BETA HEALTH ASSOCIATION, INC. | $695 | — | $695 | 5.38% |
| COBIZ INSURANCE3 Filed as: COBIZ INS.- EMPLOYEE BENEFITS | 1401 LAWRENCE STREET SUITE 1200 DENVER, CO 80202 | BETA HEALTH ASSOCIATION, INC. | $287 | — | $287 | 2.22% |
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 | 2,847 | 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) | 2,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BETA HEALTH ASSOCIATION, INC. | 83 | $13K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,847 | $352K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,847 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,847 | — |
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.