| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC5 Filed as: KEY BENEFIT ADMINISTRATORS | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | UNITED STATE FIRE INSURANCE CO | $169K | — | $169K | 16.47% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | UNITED STATE FIRE INSURANCE CO | $15K | — | $15K | 1.50% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | UNITED STATE FIRE INSURANCE CO | $4K | — | $4K | 0.38% |
| ZEUTENHORST FINANCIAL5 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN NATIONAL INSURANCE COMPANY | $2K | $48K | $51K | 5.96% |
| AUXIDANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | AMERICAN NATIONAL INSURANCE COMPANY | $35K | — | $35K | 4.10% |
| GMS BENEFITS3 | NORTH 190TH PLAZA ELKHORN, NE 68022 | AMERICAN NATIONAL INSURANCE COMPANY | $1K | $26K | $27K | 3.21% |
| ZEUTENHORST FINANCIAL3 | PO BOX 195 SIOUX CENTER, IA 51250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.01% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501230 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | RELIANCE STANDARD | $7K | — | $7K | 18.00% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | RELIANCE STANDARD | $2K | — | $2K | 4.50% |
| ZEUTENHORST FINANCIAL3 | 1335 3RD AVE SE SIOUX CENTER, IA 51250 | LIFESECURE INSURANCE COMPANY | $7K | — | $7K | 17.53% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.96% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.81% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.43% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 0.73% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.41% |
| ZEUTENHORST FINANCIAL3 | PO BOX 195 SIOUX CENTER, IA 51250 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.39% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | RELIANCE STANDARD | $3K | — | $3K | 18.00% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | RELIANCE STANDARD | $856 | — | $856 | 4.50% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.78% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.64% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $982 | — | $982 | 6.00% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.66% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.48% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.86% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.17% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.43% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.94% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.55% |
| KEELER & ASSOCIATES3 | 221 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 5.25% |
| KEELER RALPH3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | — | $687 | 5.25% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $589 | — | $589 | 4.50% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | EMC NATIONAL LIFE | $855 | — | $855 | 7.73% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $917 | — | $917 | 8.98% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $798 | — | $798 | 7.81% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $716 | — | $716 | 7.01% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.89% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.61% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | GUARDIAN | $824 | — | $824 | 15.00% |
| FINANCIAL ARCHITECTS, INC.3 | 39395 W 12 MILE RD SUITE 102 FARMINGTON HILLS, MI 48331 | GUARDIAN | $8 | — | $8 | 0.15% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 551 | $34K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 551 | $273K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 551 | $78K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $88K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $84K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $89K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 263 | $848K |
| Other(9 contracts, 6 carriers) | UNITED STATE FIRE INSURANCE CO | 551 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.