| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 18.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.00% |
| HAYS COMPANIES, INC.3 | PO BOX 410249 KANSAS CITY, MO 64141 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 9.99% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | AMERITAS LIFE INSURANCE CORPORATION | $2 | $0 | $2 | 0.01% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, IA 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 27.59% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH, SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | $0 | $158 | 1.32% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | $0 | $66 | 0.55% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, IA 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 26.94% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH, SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 1.21% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.50% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.09% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, IA 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $733 | $0 | $733 | 17.07% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH, SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 1.12% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.35% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.19% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, IA 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $884 | $0 | $884 | 24.80% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH, SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 1.21% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.51% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, IA 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $584 | $0 | $584 | 24.12% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH, SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 1.20% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.41% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.12% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 582 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 582 | $2.9M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 363 | $22K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 35 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 582 | $2.9M |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
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.