| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GMS BENEFITS3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | QBE INSURANCE | $2K | $63K | $66K | 10.06% |
| EMPLOYEE GROUP SERVICES, LTD3 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | QBE INSURANCE | $42K | — | $42K | 6.44% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE PO BOX 195 SIOUX CENTER, IA 51250 | RELIANCE STANDARD | $11K | — | $11K | 18.00% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | RELIANCE STANDARD | $3K | — | $3K | 4.50% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, NY 10016 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| ZEUTENHORST FINANCIAL3 | 1335 3RD AVE SE SIOUX CENTER, IA 51250 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | RELIANCE STANDARD | $4K | — | $4K | 18.00% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | RELIANCE STANDARD | $1K | — | $1K | 4.50% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | EMC NATIONAL LIFE | $2K | — | $2K | 8.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $1K | — | $1K | 7.53% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $981 | — | $981 | 5.11% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $620 | — | $620 | 3.23% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $620 | — | $620 | 3.23% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $463 | — | $463 | 2.41% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 10.23% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $318 | — | $318 | 2.22% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $318 | — | $318 | 2.22% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $550 | — | $550 | 5.21% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $373 | — | $373 | 3.53% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $236 | — | $236 | 2.24% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $236 | — | $236 | 2.24% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $169 | — | $169 | 1.60% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $603 | — | $603 | 6.08% |
| KELLER & ASSOCIATES3 Filed as: KELLER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $405 | — | $405 | 4.09% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $259 | — | $259 | 2.61% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $259 | — | $259 | 2.61% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $186 | — | $186 | 1.88% |
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 | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 214 | $0 |
| Vision | VISION SERVICE PLAN | 186 | $38K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 352 | $251K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 52 | $42K |
| Long-term disability | RELIANCE STANDARD | 278 | $58K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 213 | $654K |
| Other(5 contracts, 3 carriers) | LIFESECURE INSURANCE COMPANY | 444 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.