| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 13.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 9.54% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 1.01% |
| KEELER & ASSOCIATES3 | 221 S 23RD STREET PLATTSMOTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | — | $25K | $25K | 66.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHEILD EIN 42-0318333 INSURANCE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $429K |
| DELTA DENTAL OF IOWA EIN 42-0959302 INSURANCE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $48K |
| HOWALT & MCDOWELL INSURANCE EIN 36-1436000 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 300 NORTH CHERAPA PLACE SIOUX FALLS, SD 57103 | $38K |
| SELERIX SYSTEMS, INC. EIN 80-0236699 WEBSITE MANAGER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| DISCOVERY BENEFITS, LLC EIN 90-0058554 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 146 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA, INC. | 852 | $6.6M |
| Dental | DELTA DENTAL OF IOWA | 861 | $427K |
| Vision | VISION SERVICE PLAN | 536 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,221 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 979 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 979 | $85K |
| Stop-loss / reinsurancereinsurance | WELLMARK HEALTH PLAN OF IOWA, INC. | 852 | $6.5M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,259 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.