| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $275K | — | $275K | 8.56% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $273K | — | $273K | 8.49% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $101K | — | $101K | 3.14% |
| RALPH H KEELER3 | 8716 RIVERDALE ROAD PLATTSMOUTH, NE 680484809 | AMERICAN HERITAGE LIFE INSURANCE | $52K | — | $52K | 1.62% |
| AMY L MCKINNEY3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.14% |
| LOREN HOLSCHER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.09% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.08% |
| KENNETH W CRAIG3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.05% |
| TERINNE BERG3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| SHELLEY WINTERS3 Filed as: SHELLEY BUCHOLZ | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| KENDRA JO HUBBARD3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| REBECCA COSTE3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| KATHY GIDDINGS3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.03% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $744 | — | $744 | 0.02% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $690 | — | $690 | 0.02% |
| SARA E DEBAUCHE3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $684 | — | $684 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $560 | — | $560 | 0.02% |
| DOUG CARMICHAEL3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $262 | — | $262 | 0.01% |
| RHONDA LOBERG3 Filed as: RHONDA LOPBERG | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $250 | — | $250 | 0.01% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $317K | — | $317K | 23.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $224K | — | $224K | 16.93% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $46K | — | $46K | 3.44% |
| RALPH H KEELER3 | 8716 RIVERDALE ROAD PLATTSMOUTH, NE 680484809 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 2.00% |
| AMY L MCKINNEY3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.27% |
| KENNETH W CRAIG3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.20% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.18% |
| LOREN HOLSCHER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.11% |
| REBECCA COSTE3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.09% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $968 | — | $968 | 0.07% |
| SHELLEY WINTERS3 Filed as: SHELLEY BUCHOLZ | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $947 | — | $947 | 0.07% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $842 | — | $842 | 0.06% |
| KENDRA JO HUBBARD3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $709 | — | $709 | 0.05% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $455 | — | $455 | 0.03% |
| TERINNE BERG3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $342 | — | $342 | 0.03% |
| SARA E DEBAUCHE3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $272 | — | $272 | 0.02% |
| RHONDA LOBERG3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $211 | — | $211 | 0.02% |
| KATHY GIDDINGS3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $173 | — | $173 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $128 | — | $128 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $114 | — | $114 | 0.01% |
| KELLY SHARPE3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $44 | — | $44 | 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 | 9,598 | 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) | 9,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE | 9,598 | $3.2M |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 9,593 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,598 | — |
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.