| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | PO BOX 45279 OMAHA, NE 68145 | AMERITAS LIFE INSURANCE CORP. | $5K | $10K | $15K | 2.98% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | AMERITAS LIFE INSURANCE CORP. | $175 | — | $175 | 0.03% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | GUARDIAN | $111K | — | $111K | 21.86% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY OMAHA, NE 68145 | GUARDIAN | $103K | — | $103K | 20.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 8605 EMERSON RD PLATTSMOUTH, NE 68048 | GUARDIAN | $10K | — | $10K | 1.88% |
| SHAWN J KEELER3 | 7428 S 95TH ST LA VISTA, NE 68128 | GUARDIAN | $10K | — | $10K | 1.88% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,753 | $514K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,753 | $514K |
| Life insurance | GUARDIAN | 536 | $509K |
| Short-term disability | GUARDIAN | 536 | $509K |
| Long-term disability | GUARDIAN | 536 | $509K |
| Other | GUARDIAN | 536 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.