| 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 | $167K | — | $167K | 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 | 0.37% |
| GMS BENEFITS3 | NORTH 190TH PLAZA ELKHORN, NE 68022 | AMERICAN NATIONAL INSURANCE COMPANY | $3K | $61K | $64K | 8.88% |
| AUXIDANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | AMERICAN NATIONAL INSURANCE COMPANY | $28K | — | $28K | 3.86% |
| ZEUTENHORST FINANCIAL5 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN NATIONAL INSURANCE COMPANY | $309 | $8K | $8K | 1.10% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | RELIANCE STANDARD | $12K | — | $12K | 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 | $5K | — | $5K | 15.02% |
| DEAN L WILDE AGENCY, INC.3 | 115 W 39TH ST SIOUX FALLS, SD 57105 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | 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% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.24% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.33% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.31% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 0.94% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 0.77% |
| ZEUTENHORST FINANCIAL3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | EMC NATIONAL LIFE | $2K | — | $2K | 8.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.46% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.60% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.93% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.86% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 0.50% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 6.79% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $824 | — | $824 | 6.05% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $704 | — | $704 | 5.17% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.74% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.65% |
| KEELER RALPH3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $656 | — | $656 | 5.57% |
| KEELER & ASSOCIATES3 | 221 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $656 | — | $656 | 5.57% |
| GROUP MARKETING SERVICES INC3 | 3421 N 190TH PLAZA ELKHORN, NE 68022 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 4.77% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 NORTH 25TH STREET FORT DODGE, IA 50501 | GUARDIAN | $2K | — | $2K | 15.15% |
| 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 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $766 | — | $766 | 8.77% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $682 | — | $682 | 7.80% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR ST STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $594 | — | $594 | 6.80% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.97% |
| ZOMERMAAND GRETCHEN3 | 1230 S MAIN AVE SIOUX CENTER, IA 51250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.76% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 495 | $26K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 495 | $258K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 495 | $68K |
| Life insurance(2 contracts, 2 carriers) | EMC NATIONAL LIFE | 374 | $33K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 65 | $56K |
| Long-term disability | RELIANCE STANDARD | 295 | $68K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 233 | $720K |
| Other(7 contracts, 5 carriers) | UNITED STATE FIRE INSURANCE CO | 495 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.