| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: HOWALT MCDOWELL INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $999K | — | $999K | 9.50% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $375K | — | $375K | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $289K | — | $289K | 8.10% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 0.76% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $10K | — | $10K | 0.29% |
| LOREN HOLSCHER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $954 | — | $954 | 0.03% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $652 | — | $652 | 0.02% |
| REBECCA COSTE3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $487 | — | $487 | 0.01% |
| TERINNE BERG | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $387 | — | $387 | 0.01% |
| WILLIAM F FLICKINGER | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $355 | — | $355 | 0.01% |
| SHELLEY WINTERS | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $300 | — | $300 | 0.01% |
| KATHY GIDDINGS | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $272 | — | $272 | 0.01% |
| ANTHONY C BUECHLER | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $246 | — | $246 | 0.01% |
| ALAN PRESTON HARRIS | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $203 | — | $203 | 0.01% |
| KENNETH W CRAIG | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $197 | — | $197 | 0.01% |
| JOANN R MEYER | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $169 | — | $169 | 0.00% |
| RHONDA LOBERG | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $121 | — | $121 | 0.00% |
| KENDRA JO HUBBARD | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $97 | — | $97 | 0.00% |
| DOUG CARMICHAEL | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $62 | — | $62 | 0.00% |
| PRESTON ALAN HARRIS | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $505K | — | $505K | 21.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $346K | — | $346K | 15.05% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $34K | — | $34K | 1.47% |
| RALPH H KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $7K | — | $7K | 0.30% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.07% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE | $766 | — | $766 | 0.03% |
| KENNETH W CRAIG3 | 211 SOUTH 23RD ST OMAHA, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $367 | — | $367 | 0.02% |
| REBECCA COSTE3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $335 | — | $335 | 0.01% |
| LOREN HOLSCHER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $234 | — | $234 | 0.01% |
| WILLIAM F FLICKINGER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $201 | — | $201 | 0.01% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $181 | — | $181 | 0.01% |
| SHELLEY WINTERS3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $172 | — | $172 | 0.01% |
| RHONDA LOBERG3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $71 | — | $71 | 0.00% |
| TERINNE BERG3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $56 | — | $56 | 0.00% |
| ALAN PRESTON HARRIS3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $54 | — | $54 | 0.00% |
| KENDRA JO HUBBARD3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $48 | — | $48 | 0.00% |
| DOUG CARMICHAEL3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $44 | — | $44 | 0.00% |
| KATHY GIDDINGS | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $35 | — | $35 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: CLARENCE GALLAGHER | 211 SOUTH 23RD ST 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 | $8K | — | $8K | 4.01% |
| 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 | $6K | — | $6K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | FEDERAL INSURANCE COMPANY | $15K | — | $15K | 16.19% |
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 | 30,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 354 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 41,834 | $198.9M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF SOUTH DAKOTA | 30,805 | $18.3M |
| Vision | VISION SERVICE PLAN | 16,608 | $267K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25,851 | $12.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25,851 | $10.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25,851 | $10.5M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 30,589 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,834 | — |
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.