| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH AND | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.1M | — | $1.1M | 9.50% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $282K | — | $282K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $217K | — | $217K | 6.53% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $17K | — | $17K | 0.51% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $7K | — | $7K | 0.20% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.04% |
| LOREN HOLSCHER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $712 | — | $712 | 0.02% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $573 | — | $573 | 0.02% |
| REBECCA COSTE3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $389 | — | $389 | 0.01% |
| TERINNE BERG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $310 | — | $310 | 0.01% |
| WILLIAM F FLICKINGER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $303 | — | $303 | 0.01% |
| SHELLEY WINTERS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $240 | — | $240 | 0.01% |
| KATHY GIDDINGS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $199 | — | $199 | 0.01% |
| ALAN PRESTON HARRIS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $184 | — | $184 | 0.01% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE | $181 | — | $181 | 0.01% |
| KENNETH W CRAIG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $150 | — | $150 | 0.00% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $136 | — | $136 | 0.00% |
| RHONDA LOBERG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $69 | — | $69 | 0.00% |
| DOUG CARMICHAEL3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $366K | — | $366K | 16.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $250K | — | $250K | 11.55% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 1.23% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 0.18% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $799 | — | $799 | 0.04% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $354 | — | $354 | 0.02% |
| KENNETH W CRAIG3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $354 | — | $354 | 0.02% |
| REBECCA COSTE3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $295 | — | $295 | 0.01% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE | $243 | — | $243 | 0.01% |
| LOREN HOLSCHER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $188 | — | $188 | 0.01% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $179 | — | $179 | 0.01% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $171 | — | $171 | 0.01% |
| WILLIAM F FLICKINGER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $160 | — | $160 | 0.01% |
| SHELLEY WINTERS3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $143 | — | $143 | 0.01% |
| RHONDA LOBERG3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $68 | — | $68 | 0.00% |
| ALAN PRESTON HARRIS3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $42 | — | $42 | 0.00% |
| TERINNE BERG3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $37 | — | $37 | 0.00% |
| KATHY GIDDINGS3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $26 | — | $26 | 0.00% |
| DOUG CARMICHAEL3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE | $10 | — | $10 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALAGHER | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.00% |
| 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 | $24K | — | $24K | 10.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $15K | — | $15K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 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 | 36,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 816 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 36,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 43,969 | $209.4M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF SOUTH DAKOTA | 32,248 | $18.4M |
| Vision | VISION SERVICE PLAN | 16,983 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,684 | $14.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,684 | $11.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,684 | $11.9M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 36,016 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,969 | — |
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.