| 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 | $161K | — | $161K | 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% |
| GMS BENEFITS3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | QBE INSURANCE | $3K | $68K | $71K | 7.98% |
| EMPLOYEE GROUP SERVICES, LTD5 | 424 FIRST AVE NE CEDAR RAPIDS, IA 52401 | QBE INSURANCE | $47K | — | $47K | 5.30% |
| 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 | $4K | — | $4K | 9.64% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.98% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.66% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.77% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 1.04% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | — | $244 | 0.87% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, NY 10016 | RELIANCE STANDARD | $5K | — | $5K | 18.00% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | RELIANCE STANDARD | $1K | — | $1K | 4.50% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | EMC NATIONAL LIFE | $2K | — | $2K | 8.00% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.69% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.26% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.23% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 0.96% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 0.78% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.60% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.80% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $892 | — | $892 | 6.51% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 1.00% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.96% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | GUARDIAN | $2K | — | $2K | 15.00% |
| FINANCIAL ARCHITECTS, INC. Filed as: FINANCIAL ARCHITECTS INC | 39395 W 12 MILE RD SUITE 102 FARMINGTON HILLS, MI 48331 | GUARDIAN | $17 | — | $17 | 0.15% |
| KELLER & ASSOCIATES3 Filed as: KELLER SHAWN J | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $629 | — | $629 | 7.21% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $594 | — | $594 | 6.81% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | — | $481 | 5.51% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 1.01% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.99% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 484 | $24K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 484 | $233K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 484 | $62K |
| Life insurance(2 contracts, 2 carriers) | EMC NATIONAL LIFE | 225 | $36K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 65 | $53K |
| Long-term disability | RELIANCE STANDARD | 282 | $63K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 225 | $892K |
| Other(7 contracts, 5 carriers) | UNITED STATE FIRE INSURANCE CO | 484 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.