| 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 | $356K | — | $356K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80K | $80K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $207K | — | $207K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 0.68% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $399K | — | $399K | 11.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $318K | — | $318K | 9.16% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $37K | — | $37K | 1.06% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 0.78% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.05% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.03% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $883 | — | $883 | 0.03% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $767 | — | $767 | 0.02% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $639 | — | $639 | 0.02% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $600 | — | $600 | 0.02% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $599 | — | $599 | 0.02% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $568 | — | $568 | 0.02% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $515 | — | $515 | 0.01% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $482 | — | $482 | 0.01% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $471 | — | $471 | 0.01% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $415 | — | $415 | 0.01% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $318 | — | $318 | 0.01% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $171 | — | $171 | 0.00% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $154 | — | $154 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 0.00% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $308K | — | $308K | 15.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $224K | — | $224K | 10.99% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $25K | — | $25K | 1.25% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13K | — | $13K | 0.63% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.07% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $915 | — | $915 | 0.04% |
| KENNETH W CRAIG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $628 | — | $628 | 0.03% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $546 | — | $546 | 0.03% |
| LOREN HOLSCHER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $519 | — | $519 | 0.03% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $462 | — | $462 | 0.02% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $444 | — | $444 | 0.02% |
| REBECCA COSTE3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $372 | — | $372 | 0.02% |
| TERINNE BERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $268 | — | $268 | 0.01% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $242 | — | $242 | 0.01% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $202 | — | $202 | 0.01% |
| ALAN PRESTON HARRIS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $176 | — | $176 | 0.01% |
| DOUG CARMICHAEL3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $125 | — | $125 | 0.01% |
| KATHY GIDDINGS3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $73 | — | $73 | 0.00% |
| RHONDA LOBERG3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $68 | — | $68 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.00% |
| DOUG KEELER4 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25K | — | $25K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A, MARSH & MCLENNAN | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $19K | — | $19K | 11.62% |
| IDENTITY THEFT CONSULTANTS LLC4 | 15624 41ST ST BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $82 | — | $82 | 0.05% |
| SOLUTION BENEFITS, INC.4 Filed as: SOLUTION BENEFITS INC | 2510 BOOMER LN YORKVILLE, IL 60560 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | — | $71 | 0.04% |
| SANDRA KEYES4 | 16832 457TH AVE WATERTOWN, SD 57201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $43 | — | $43 | 0.03% |
| DANIEL D ASSID4 | PO BOX 426 SIOUX FALLS, SD 57101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.02% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.01% |
| CRISA A AASEN4 | 1517 ENGLISH AVE NW NEW PRAGUE, MN 56071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $14 | — | $14 | 0.01% |
| CLAUDIA K WOLFKIND4 | 28980 CALLE DEL LAGO, APT D MURRIETA, CA 92563 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $12 | — | $12 | 0.01% |
| INVESTMENT DEVELOPER4 | PO BOX 27740 LAS VEGAS, NV 89126 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $11 | — | $11 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | FEDERAL INSURANCE COMPANY | $13K | — | $13K | 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 | 30,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 372 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 41,921 | $200.3M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF SOUTH DAKOTA | 30,647 | $18.7M |
| Vision | VISION SERVICE PLAN | 17,975 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,456 | $8.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,161 | $5.9M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 30,112 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,921 | — |
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.