| 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 | $60K | $8K | $68K | 18.00% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 6.03% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 4.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$4K | -$4K | -1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $7K | $80K | 23.00% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 5.95% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 4.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$3K | -$3K | -0.95% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $69K | $0 | $69K | 26.37% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $46K | $4K | $50K | 19.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 2.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 18.00% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.08% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.00% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$2K | -$2K | -1.08% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $35K | $0 | $35K | 23.79% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $24K | $3K | $27K | 18.39% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE STE 500 SIOUX FALLS, SD 57103 | UNUM INSURANCE COMPANY | -$2K | -$708 | -$3K | -1.71% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 10.56% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $909 | $14K | 9.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 4.40% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $147 | $147 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH MCLENNAN | PO BOX 1958 FARGO, ND 58102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $25K | $0 | $25K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $16K | $2K | $18K | 13.41% |
| KEELER & ASSOCIATES3 Filed as: KEELER, SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER, CLARENCE | 1505 SW 10TH ST CAPE CORAL, FL 33991 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| KEELER & ASSOCIATES3 | 211 SO 23RD STREET PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.08% |
| 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 | 4.00% |
| DAWSON INSURANCE3 | P.O. BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | $1K | $2K | 3.15% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$668 | -$668 | -1.08% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182 | $0 | $182 | 16.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59 | $0 | $59 | 5.46% |
| GROVE, MARC, A3 Filed as: GROVE, MARC A | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.83% |
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 | 1,166 | 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) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,443 | $136K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,688 | $557K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 971 | $378K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $193K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,688 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,688 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.