| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $10K | — | $10K | 11.84% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $9K | — | $9K | 10.91% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $473 | — | $473 | 0.58% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $245 | — | $245 | 0.30% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMT SERVICES INC | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $227 | — | $227 | 0.28% |
| ANTHONY C BUECHLER3 | — | AMERICAN HERITAGE LIFE INSURANCE PLAN | $137 | — | $137 | 0.17% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.99% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.63% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 0.25% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.13% |
| TANYA WISHARD3 Filed as: TANYA M MULDER | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $771 | — | $771 | 9.93% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $754 | — | $754 | 9.71% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMT SERVICES INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 1.27% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.22% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 22.01% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.51% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 7.45% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $954 | $7K | — |
| RALPH H KEELER3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE BENEFITS | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 1,170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE PLAN | 1,160 | $124K |
| Other(6 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE PLAN | 1,160 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.