| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $333K | $0 | $333K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $197K | $0 | $197K | 3.50% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $342K | $0 | $342K | 10.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $279K | $0 | $279K | 8.71% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $49K | $0 | $49K | 1.54% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $31K | $0 | $31K | 0.97% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | $0 | $2K | 0.06% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 0.04% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $1K | $0 | $1K | 0.03% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $848 | $0 | $848 | 0.03% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $829 | $0 | $829 | 0.03% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $713 | $0 | $713 | 0.02% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $707 | $0 | $707 | 0.02% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $628 | $0 | $628 | 0.02% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $594 | $0 | $594 | 0.02% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $507 | $0 | $507 | 0.02% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $491 | $0 | $491 | 0.02% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $485 | $0 | $485 | 0.02% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $354 | $0 | $354 | 0.01% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $179 | $0 | $179 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $160 | $0 | $160 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $45 | $0 | $45 | 0.00% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $329K | $0 | $329K | 18.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $237K | $0 | $237K | 12.98% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $29K | $0 | $29K | 1.62% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13K | $0 | $13K | 0.72% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $940 | $0 | $940 | 0.05% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $914 | $0 | $914 | 0.05% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $879 | $0 | $879 | 0.05% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $865 | $0 | $865 | 0.05% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $822 | $0 | $822 | 0.05% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $689 | $0 | $689 | 0.04% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $667 | $0 | $667 | 0.04% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $594 | $0 | $594 | 0.03% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $548 | $0 | $548 | 0.03% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $517 | $0 | $517 | 0.03% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $311 | $0 | $311 | 0.02% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $271 | $0 | $271 | 0.01% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $191 | $0 | $191 | 0.01% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $141 | $0 | $141 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $122 | $0 | $122 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4 | $0 | $4 | 0.00% |
| DOUG KEELER4 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $18K | $0 | $18K | 12.82% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $16K | $0 | $16K | 11.68% |
| IDENTITY THEFT CONSULTANTS LLC4 Filed as: IDENTITY THEFT CONSULTANTS INC | 15624 41ST ST BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $170 | $0 | $170 | 0.12% |
| MIDWEST BENEFITS SOLUTIONS, LLC4 Filed as: MIDWEST BENEFITS SOLUTIONS LLC | PO BOX 249 BLUE EARTH, MN 56013 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $136 | $0 | $136 | 0.10% |
| SANDRA KEYES4 | 16832 457TH AVE WATERTOWN, SD 57201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $54 | $0 | $54 | 0.04% |
| DANIEL D ASSID4 | PO BOX 426 SIOUX FALLS, SD 57101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | $0 | $45 | 0.03% |
| NICOLE A ELLIOTT4 Filed as: NICOLE ELLIOT | 26529 RIDGEWOOD RD ZIMMERMAN, MN 55398 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | $0 | $42 | 0.03% |
| SOLUTION BENEFITS, INC. Filed as: SOLUTION BENEFITS INC | 2510 BOOMER LN YORKVILLE, IL 60560 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.02% |
| CHRISTIAN F. ROGNER4 Filed as: CHRISTIAN F ROGNER | PO BOX 1318 LEWISBURG, WV 24901 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $19 | $0 | $19 | 0.01% |
| MARC A HANSON4 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $14 | $0 | $14 | 0.01% |
| CRISA A AASEN | 1517 ENGLISH AVE NW NEW PRAGUE, MN 56071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7 | $0 | $7 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
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 | 29,316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 40,709 | $199.1M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF SOUTH DAKOTA | 29,473 | $16.7M |
| Vision | VISION SERVICE PLAN | 15,346 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,314 | $7.9M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,086 | $5.6M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 29,316 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,709 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.