| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL MANAGEMENT, INC.3 Filed as: FINANCIAL MANAGEMENT INC. | 1919 S 40TH ST STE 318 LINCOLN, NE 685065248 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 21.86% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.10% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.15% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.25% |
| ANTHONY C BUECHLER3 Filed as: ANTHONY C. BUECHLER | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $455 | $0 | $455 | 0.37% |
| WILLIAM F FLICKINGER3 Filed as: WILLIAM F. FLICKINGER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | $0 | $242 | 0.19% |
| AMY L MCKINNEY3 Filed as: AMY L. MCKINNEY | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | $0 | $197 | 0.16% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR ST STE 200 OMAHA, NE 681304645 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP, INC. EIN 47-0720154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11906 ARBOR STREET, STE. 100 OMAHA, NE 68144 | $130K |
| OPTUM HEALTH EIN 36-2739571 TRANSPLANT POLICY VENDOR | Other fees Service code 99 | 62725 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | $61K |
| FINANCIAL VELOCITY CONCEPTS EIN 47-0781747 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1919 S 40TH STREET, STE 318 LINCOLN, NE 68506 | $54K |
| GROUP MARKETING SERVICES EIN 47-0813457 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 17445 ARBOR STREET OMAHA, NE 68130 | $37K |
| MIDLANDS CHOICE EIN 47-0804331 PPO NETOWRK | Other fees Service code 99 | 8420 W DODGE RD, STE 210 OMAHA, NE 68114 | $23K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 UTILIZATION REVIEW VENDOR | Other fees Service code 99 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $7K |
| WPPA/PROVIDRS CARE EIN 48-1009834 PPO NETWORK | Other fees Service code 99 | 1102 S HILLSIDE WICHITA, KS 67211 | $744 |
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 | 516 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 298 | $124K |
| Vision | VISION SERVICE PLAN | 297 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $215K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $215K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.