| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | — | $38K | 18.59% |
| KEELER & ASSOCIATES3 Filed as: KEELER RALPH H | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.95% |
| TAYLOR CURTIS A3 | 6317 NW 95TH STREET JOHNSTON, IA 50131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $292 | — | $292 | 0.14% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | 0.12% |
| WEEKLEY JACKLYN3 | 17923 PIERCE PLAZA OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | — | $221 | 0.11% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DRIVE PO BOX 542006 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.04% |
| NORTH AMERICAN HERITAGE INC3 | 1291 CAROLYN DRIVE NE ATLANTA, GA 30329 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.04% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.03% |
| NE AUTOMOBILE DEALER CO3 | PO BOX 95023 LINCOLN, NE 68509 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| BUECHLER ANTHONY C3 | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MEYER JOANN R3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| UNICO GROUP INC3 | 1128 LINCOLN MALL, SUITE 200 LINCOLN, NE 68508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 13810 FNB PARKWAY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE COMPANY | — | $705 | $705 | 0.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $225 | $225 | 0.48% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $202K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 1,196 | $71K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 986 | $249K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $202K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,000 | $631K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 986 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.