| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN ST. SENECA, KS 66538 | KANSAS CITY LIFE INSURANCE CO. | $3K | — | $3K | 15.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | P.O. BOX 410249 1200 MAIN, #2310 KANSAS CITY, MO 641410249 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN ST. SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE CO. | $3K | — | $3K | 19.24% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE CO. | $178 | — | $178 | 1.12% |
| ALAN PAPE3 | 115 E. PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE CO. | $53 | — | $53 | 0.33% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E. PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE CO. | $33 | — | $33 | 0.21% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 528 | $2.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 528 | $2.5M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 275 | $20K |
| Short-term disability | KANSAS CITY LIFE INSURANCE CO. | 21 | $21K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 528 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.