| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL MANAGEMENT, INC.3 Filed as: FINANCIAL MANAGEMENT INC | 1919 S 40TH STREET SUITE 318 LINCOLN, NE 68506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 20.52% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 6.95% |
| GROUP MARKETING SERVICES INC3 | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 6.64% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.92% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.70% |
| ANTHONY C BUECHLER3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $456 | — | $456 | 0.30% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 0.10% |
| WILLIAM F FLICKINGER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.09% |
| SHELLEY WINTERS3 | 2209 1ST AVE PLATTSMOUTH, NE 68043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | VISION SERVICE PLAN | $2K | — | $2K | 3.39% |
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 | 506 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 350 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $287K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 632 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.