| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GMS BENEFITS3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN FIDELITY | — | $66K | $66K | 12.11% |
| AUXIANT3 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | AMERICAN FIDELITY | $41K | — | $41K | 7.52% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501230 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| ZEUTENHORST FINANCIAL3 | 1335 3RD AVE SE SIOUX CENTER, IA 51250 | LIFESECURE INSURANCE COMPANY | $7K | — | $7K | 22.49% |
| DEAN L WILDE AGENCY, INC.3 Filed as: DEAN L WILDE AGENCY, INC | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 4.75% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 21.00% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $2K | — | $2K | 14.26% |
| GRETCHN ZOMERMAAND3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | ALLSTATE | $974 | — | $974 | 9.01% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $974 | — | $974 | 9.01% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $730 | — | $730 | 6.75% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | EMC NATIONAL LIFE | $822 | — | $822 | 8.00% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 17.42% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 11.42% |
| GRETCHN ZOMERMAAND3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | ALLSTATE | $701 | — | $701 | 7.49% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $701 | — | $701 | 7.49% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $555 | — | $555 | 5.93% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 24.54% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 16.52% |
| GRETCHN ZOMERMAAND3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | ALLSTATE | $735 | — | $735 | 10.51% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $735 | — | $735 | 10.51% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $554 | — | $554 | 7.92% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 24.35% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 16.43% |
| GRETCHN ZOMERMAAND3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | ALLSTATE | $651 | — | $651 | 10.46% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $651 | — | $651 | 10.46% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $494 | — | $494 | 7.93% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 176 | $35K |
| Life insurance | EMC NATIONAL LIFE | 347 | $10K |
| Short-term disability | ALLSTATE | 55 | $11K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY | 221 | $546K |
| Other(4 contracts, 2 carriers) | LIFESECURE INSURANCE COMPANY | 76 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.