| 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 | $141K | — | $141K | 16.09% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | UNITED STATE FIRE INSURANCE CO | $13K | — | $13K | 1.50% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | UNITED STATE FIRE INSURANCE CO | $7K | — | $7K | 0.75% |
| GMS BENEFITS3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | QBE INSURANCE | $3K | $65K | $68K | 11.37% |
| EMPLOYEE GROUP SERVICES, LTD5 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | QBE INSURANCE | $43K | — | $43K | 7.20% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE 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, IA 512501230 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| ZEUTENHORST FINANCIAL3 | 1335 3RD AVE SE SIOUX CENTER, IA 51250 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 8.80% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | EMC NATIONAL LIFE | $2K | — | $2K | 8.00% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, NY 10016 | 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 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $2K | — | $2K | 8.88% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $2K | — | $2K | 7.30% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $1K | — | $1K | 5.04% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $646 | — | $646 | 2.88% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $516 | — | $516 | 2.30% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $1K | — | $1K | 6.64% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 6.47% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $833 | — | $833 | 4.93% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $217 | — | $217 | 1.28% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $217 | — | $217 | 1.28% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $859 | — | $859 | 7.52% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $636 | — | $636 | 5.57% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $418 | — | $418 | 3.66% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $332 | — | $332 | 2.91% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $240 | — | $240 | 2.10% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $692 | — | $692 | 6.85% |
| KELLER & ASSOCIATES3 Filed as: KELLER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $483 | — | $483 | 4.78% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | ALLSTATE | $314 | — | $314 | 3.11% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | ALLSTATE | $284 | — | $284 | 2.81% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $207 | — | $207 | 2.05% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | GUARDIAN | $2K | — | $2K | 15.26% |
| FINANCIAL ARCHITECTS, INC. Filed as: FINANCIAL ARCHITECTS INC | 39395 W 12 MILE RD SUITE 102 FARMINGTON HILLS, MI 48331 | GUARDIAN | $26 | — | $26 | 0.26% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | COMPANION LIFE INSURANCE | — | — | $0 | — |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 220 | $199K |
| Vision | VISION SERVICE PLAN | 181 | $38K |
| Life insurance(3 contracts, 3 carriers) | EMC NATIONAL LIFE | 357 | $34K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 62 | $46K |
| Long-term disability | RELIANCE STANDARD | 285 | $60K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 219 | $595K |
| Other(7 contracts, 5 carriers) | UNITED STATE FIRE INSURANCE CO | 441 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.