| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 26.24% |
| SHAWN J KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNEN AGENCY LLC | 300 CHERAPA PLACE, STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| KEELER & ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 21.23% |
| SHAWN J KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.72% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNEN AGENCY LLC | 300 CHERAPA PLACE, STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $691 | — | $691 | 3.04% |
| KEELER & ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.54% |
| AMY L MCKINNEY | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.22% |
| ANTHONY C BUECHLER | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 40.37% |
| SHAWN J KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNEN AGENCY LLC | 300 CHERAPA PLACE, STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| KEELER & ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 236 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.