| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL MANAGEMENT, INC.3 Filed as: FINANCIAL MANAGEMENT INC. | 1919 S 40TH ST SUITE 318 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 20.00% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 9.33% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 6.70% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.28% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| ANTHONY C BUECHLER3 Filed as: ANTHONY C. BUECHLER | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $548 | — | $548 | 0.37% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $232 | — | $232 | 0.15% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.12% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.45% |
| FINANCIAL MANAGEMENT, INC.3 Filed as: FINANCIAL MANAGEMENT INC. | 1919 S. 40TH ST. SUITE 318 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
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 | 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 |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 337 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $245K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $261K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $395K |
| 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.