| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.6M | $330K | $1.9M | 11.56% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 0.12% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $461K | — | $461K | 11.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $336K | — | $336K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE | — | $28K | $28K | 0.70% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $26K | — | $26K | 0.65% |
| RALPH H KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.08% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $751 | — | $751 | 0.02% |
| AMY L MCKINNEY4 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $373 | — | $373 | 0.01% |
| TERINNE BERG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $162 | — | $162 | 0.00% |
| SHELLEY WINTERS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $117 | — | $117 | 0.00% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $112 | — | $112 | 0.00% |
| KATHY GIDDINGS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $95 | — | $95 | 0.00% |
| ALAN PRESTON HARRIS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $90 | — | $90 | 0.00% |
| WILLIAM F FLICKINGER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $86 | — | $86 | 0.00% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE | $85 | — | $85 | 0.00% |
| KENNETH W CRAIG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $71 | — | $71 | 0.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $222K | — | $222K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $159K | — | $159K | 7.56% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13K | — | $13K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE | — | $7K | $7K | 0.34% |
| RALPH H KEELER2 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.13% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68131 | AMERICAN HERITAGE LIFE INSURANCE | $508 | — | $508 | 0.02% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $265 | — | $265 | 0.01% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $170 | — | $170 | 0.01% |
| ANTHONY C BUECHLER4 | 13811 S 50TH ST PAPILION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE | $146 | — | $146 | 0.01% |
| KENNETH W CRAIG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $116 | — | $116 | 0.01% |
| WILLIAM F FLICKINGER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $112 | — | $112 | 0.01% |
| SHELLEY WINTERS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $99 | — | $99 | 0.00% |
| TERINNE BERG3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $40 | — | $40 | 0.00% |
| ALAN PRESTON HARRIS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $32 | — | $32 | 0.00% |
| KATHY GIDDINGS3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $22 | — | $22 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A, MARSH & MCLENNAN | STE 601 300 CHERAPA PL SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $140K | — | $140K | 29.25% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $23K | — | $23K | 4.89% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $6K | — | $6K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A, MARSH & MCLENNAN | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71K | $0 | $71K | 16.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21K | — | $21K | 4.67% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 1.33% |
| PHYNQUE INC.3 Filed as: PHYNQUE INC | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 24.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $26K | $26K | 20.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST, STE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $366 | $0 | $366 | 1.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - LYNDHURST | PO BOX 905494 CHARLOTTE, NC 28217 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $0 | $127 | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - CHICAGO | 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.43% |
| JAMES DUNCAN DAVIDSON3 | 9822 ORCHARD LN VILLA PARK, CA 92861 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - NEW YORK | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - CHICAGO | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | THE PAUL REVERE LIFE INSURANCE COMPANY | $591 | $1K | $2K | 17.54% |
| FINK, GARY, CLARK3 | 608 2ND AVE SOUTH #181 MINNEAPOLIS, MN 55402 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | $87 | $87 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 5113 SIOUX FALLS, SD 57117 | BCBSMN, INC, DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $0 | $0 | $0 | — |
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 | 43,497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 877 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | SANFORD HEALTH PLAN | 43,008 | $253.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 32,683 | $19.2M |
| Vision | VISION SERVICE PLAN | 19,580 | $5.1M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,744 | $18.6M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,744 | $20.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,744 | $16.5M |
| Prescription drug(3 contracts, 3 carriers) | HMSA | 5,965 | $1.3M |
| Other(5 contracts, 5 carriers) | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | 43,497 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,497 | — |
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."
No prospect flags tripped on this filing.