| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $6K | $52K | 19.62% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.45% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $5K | $61K | 25.16% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.47% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.38% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $43K | $0 | $43K | 20.41% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $29K | $3K | $32K | 15.28% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 19.48% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.41% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY, LLC | 721 1ST AVE N PO BOX 1959 FARGO, ND 58107 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.87% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $22K | $0 | $22K | 18.66% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $14K | $2K | $16K | 13.67% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $17K | $0 | $17K | 16.31% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 11.21% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.23% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.35% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.14% |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,395 | $136K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,577 | $290K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $267K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $136K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,577 | $725K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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.