| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321K | $0 | $321K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193K | $0 | $193K | 3.50% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $250K | $0 | $250K | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $249K | $0 | $249K | 7.91% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $108K | $0 | $108K | 3.43% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $40K | $0 | $40K | 1.28% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | $0 | $2K | 0.07% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | $0 | $2K | 0.06% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $990 | $0 | $990 | 0.03% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $949 | $0 | $949 | 0.03% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $895 | $0 | $895 | 0.03% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $857 | $0 | $857 | 0.03% |
| SHELLEY WINTERS3 Filed as: SHELLEY BUCHHOLZ | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $851 | $0 | $851 | 0.03% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $849 | $0 | $849 | 0.03% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $783 | $0 | $783 | 0.02% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $732 | $0 | $732 | 0.02% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $549 | $0 | $549 | 0.02% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $546 | $0 | $546 | 0.02% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $237 | $0 | $237 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $167 | $0 | $167 | 0.01% |
| SARA E DEBAUCHE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $145 | $0 | $145 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $68 | $0 | $68 | 0.00% |
| CATHI CLAPPER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $8 | $0 | $8 | 0.00% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $215K | $0 | $215K | 13.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $160K | $0 | $160K | 10.27% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $55K | $0 | $55K | 3.53% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $16K | $0 | $16K | 1.03% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | $0 | $2K | 0.14% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 0.07% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 0.07% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 0.07% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $918 | $0 | $918 | 0.06% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $793 | $0 | $793 | 0.05% |
| SHELLEY WINTERS3 Filed as: SHELLEY BUCHHOLZ | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $757 | $0 | $757 | 0.05% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $723 | $0 | $723 | 0.05% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $628 | $0 | $628 | 0.04% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $301 | $0 | $301 | 0.02% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $279 | $0 | $279 | 0.02% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $192 | $0 | $192 | 0.01% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $188 | $0 | $188 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $142 | $0 | $142 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $33 | $0 | $33 | 0.00% |
| SARA E DEBAUCHE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $30 | $0 | $30 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $13K | $0 | $13K | 10.26% |
| DOUG KEELER4 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $12K | $0 | $12K | 9.78% |
| SANDRA KEYES4 | 16832 457TH AVE WATERTOWN, SD 57201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $57 | $0 | $57 | 0.05% |
| DANIEL D ASSID4 | PO BOX 426 SIOUX FALLS, SD 57101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.04% |
| MARC A HANSON4 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.03% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | $0 | $32 | 0.03% |
| IDENTITY THEFT CONSULTANTS LLC4 Filed as: IDENTITY THEFT CONSULTANTS INC | 15624 41ST ST BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.02% |
| MARY KEY & ASSOCIATES INC4 | 3010 W HAWTHORNE RD TAMPA, FL 33611 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $16 | $0 | $16 | 0.01% |
| TARA CAMERON4 | PO BOX 505 CONIFER, CO 80433 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $9 | $0 | $9 | 0.01% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5 | $0 | $5 | 0.00% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5 | $0 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $14K | $1K | $15K | 16.25% |
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 | 28,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 224 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 39,275 | $206.4M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF SOUTH DAKOTA | 27,774 | $15.9M |
| Vision | VISION SERVICE PLAN | 14,096 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32,064 | $7.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24,156 | $5.5M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 28,425 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,275 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.