| 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 | $57K | — | $57K | 19.14% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.27% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 17445 ARBOR STREET SUITE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.06% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.09% |
| KELLER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.94% |
| BUECHLER ANTHONY C3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $414 | — | $414 | 0.28% |
| FLICKINGER WILLIAM F3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.08% |
| MCKINNEY AMY L3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.08% |
| WINTERS SHELLEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 3421 N 190TH PLZ ELKHORN, NE 68022 | VISION SERVICE PLAN | $741 | — | $741 | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 N/A | Other services Service code 49 | — | $13K |
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 | 529 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 359 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 529 | $297K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 529 | $297K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 601 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.