| 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 | 17.01% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.00% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN STREET SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.33% |
| ALLAN SPIEHS3 | 4425 SOUTH 36TH STREET LINCOLN, NE 68516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 1.17% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.47% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.06% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN STREET SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 21.46% |
| ALLAN SPIEHS3 | 4425 SOUTH 36TH STREET LINCOLN, NE 68516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 1.07% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.42% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.07% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN STREET SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $804 | $0 | $804 | 16.66% |
| ALLAN SPIEHS3 | 4425 SOUTH 36TH STREET LINCOLN, NE 68516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 1.08% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.29% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.21% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN STREET SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | $0 | $630 | 18.18% |
| ALLAN SPIEHS3 | 4425 SOUTH 36TH STREET LINCOLN, NE 68516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.98% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.40% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN STREET SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $417 | $0 | $417 | 16.96% |
| ALLAN SPIEHS3 | 4425 SOUTH 36TH STREET LINCOLN, NE 68516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 1.02% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.33% |
| 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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 440 | $119K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 367 | $28K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 33 | $32K |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 30 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.