| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH H KEELER3 | 8716 RIVERDALE RD PLATTSMOUTH, NE 680484809 | AMERICAN HERITAGE LIFE INSURANCE | $333K | — | $333K | 16.92% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $315K | — | $315K | 16.01% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $6K | — | $6K | 0.30% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE | $130 | — | $130 | 0.01% |
| PFS INSURANCE GROUP LLC3 | 4848 THOMPSON PARKWAY STE 200 JOHNSTOWN, CO 80538 | AMERICAN HERITAGE LIFE INSURANCE | $36 | — | $36 | 0.00% |
| KATHRYN MARY KEITHLEY3 | 2614 CR 3548 ATLANTA, TX 75551 | AMERICAN HERITAGE LIFE INSURANCE | $26 | — | $26 | 0.00% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $16 | — | $16 | 0.00% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $145K | — | $145K | 14.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 635 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 635 21300 VICTORY BLVD WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.00% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $26K | — | $26K | 17.16% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $20K | — | $20K | 13.48% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $110 | — | $110 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS INC EIN 22-3461740 CONTRACT ADMINISTRATOR | Other fees; Claims processing; Contract Administrator Service code 12 | — | $284K |
| SUPERIOR VISION SERVICES EIN 13-3741352 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $1K |
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 | 7,125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 7,193 | $48.1M |
| Dental | BLUE CROSS BLUE SHIELD OF NEBRASKA | 7,193 | $46.0M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 9,578 | $721K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 7,193 | $1.0M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,644 | $579K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NEBRASKA | 7,193 | $46.0M |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 7,193 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,578 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.