| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.27% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.62% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.54% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 0.56% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 0.30% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMT SERVICES INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 0.24% |
| ANTHONY C BUECHLER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.14% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.67% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.19% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.27% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.15% |
| TANYA WISHARD3 Filed as: TANYA M MULDER | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $742 | — | $742 | 9.11% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $669 | — | $669 | 8.21% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMT SERVICES INC | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $99 | — | $99 | 1.22% |
| JOANN R MEYER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| SHAWN J KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $554 | — | $554 | 11.17% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 9.52% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172 | — | $172 | 18.05% |
| RALPH H KEELER3 | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 11.12% |
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 | 1,141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,136 | $225K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,136 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.