| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GMS BENEFITS3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | EVEREST REINSURANCE | — | $69K | $69K | 12.80% |
| AUXIANT3 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | EVEREST REINSURANCE | $40K | — | $40K | 7.33% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $10K | 21.78% |
| ZEUTENHORST FINANCIAL3 | 1335 3RD AVE SE SIOUX CENTER, IA 51250 | LIFESECURE INSURANCE COMPANY | $8K | — | $8K | 17.48% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| 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 | EMC NATIONAL LIFE | $2K | — | $2K | 8.00% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $1K | — | $1K | 7.36% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $954 | — | $954 | 5.00% |
| GRETCHN ZOMERMAAND3 | 1230 S MAIN AVE SIOUX CENTER, IA 512501224 | ALLSTATE | $602 | — | $602 | 3.16% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $602 | — | $602 | 3.16% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $451 | — | $451 | 2.36% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $985 | — | $985 | 5.98% |
| KELLER & ASSOCIATES3 Filed as: KELLER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $656 | — | $656 | 3.98% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $423 | — | $423 | 2.57% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $423 | — | $423 | 2.57% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $314 | — | $314 | 1.91% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $798 | — | $798 | 6.73% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $543 | — | $543 | 4.58% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $343 | — | $343 | 2.89% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $343 | — | $343 | 2.89% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $245 | — | $245 | 2.07% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $584 | — | $584 | 5.30% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $393 | — | $393 | 3.56% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $250 | — | $250 | 2.27% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $250 | — | $250 | 2.27% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $178 | — | $178 | 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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 177 | $37K |
| Life insurance | EMC NATIONAL LIFE | 345 | $25K |
| Short-term disability | ALLSTATE | 48 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $47K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE | 213 | $540K |
| Other(4 contracts, 2 carriers) | LIFESECURE INSURANCE COMPANY | 48 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.