| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BOULEVARD 5TH FLOOR LONG BEACH, CA 90807 | BLUE CROSS OF CALIFORNIA | $16K | $966 | $16K | 4.05% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BOULEVARD 5TH FLOOR LONG BEACH, CA 90807 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8K | $522 | $9K | 4.05% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 29.61% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $945 | $0 | $945 | 7.89% |
| GIELOW INSURANCE AGENCY INC.3 | 1111 W. TOWN AND COUNTRY RD #52 ORANGE, CA 92868 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $865 | $0 | $865 | 7.22% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | $0 | $350 | 2.92% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 38.13% |
| GIELOW INSURANCE AGENCY INC.3 | 1111 W TOWN AND COUNTRY RD #52 ORANGE, CA 92868 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | $0 | $433 | 6.95% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 30.81% |
| GIELOW INSURANCE AGENCY INC.3 | 1111 W TOWN AND COUNTRY RD #52 ORANGE, CA 92868 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | $0 | $257 | 6.26% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | $0 | $202 | 4.92% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NC 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 1.61% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 183 | $628K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 183 | $220K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 183 | $220K |
| Short-term disability(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $22K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 27 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.