| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $146K | — | $146K | 15.76% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $115K | — | $115K | 12.62% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $114K | — | $114K | 12.50% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $16K | — | $16K | 1.79% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13K | — | $13K | 1.39% |
| DOUG KEELER3 | 2201 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $227 | — | $227 | 0.02% |
| JOANNE R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $9 | — | $9 | 0.00% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE | $7 | — | $7 | 0.00% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $116K | — | $116K | 15.13% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $106K | — | $106K | 13.89% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $12K | — | $12K | 1.62% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $12K | — | $12K | 1.62% |
| DOUG KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $193 | — | $193 | 0.03% |
| COPELAND FINL SVCS INC3 | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE | $21 | — | $21 | 0.00% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINL SVCS LLC | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | AMERICAN HERITAGE LIFE INSURANCE | $15 | — | $15 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEECHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | C/O BEECHER CARLSON 75 STATE ST STE 1710 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 8.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $48K | — | $48K | 15.30% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $47K | — | $47K | 14.84% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $8K | — | $8K | 2.67% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 1.72% |
| COPELAND FINL SVCS INC3 Filed as: COPELAND FINL SVCS LLC | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE | $41 | — | $41 | 0.01% |
| PINNACLE BROKERS3 Filed as: PINNACLE FINL SVCS LLC | 4848 THOMPSON PKWY STE 200 JOHNSTOWN, CO 80534 | AMERICAN HERITAGE LIFE INSURANCE | $17 | — | $17 | 0.01% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURNACE | $7K | — | $7K | 8.54% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURNACE | $6K | — | $6K | 7.11% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURNACE | $2K | — | $2K | 2.93% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURNACE | $818 | — | $818 | 0.97% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 10.11% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 8.17% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 4.24% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $601 | — | $601 | 1.21% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 11.73% |
| RALPH H KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 10.00% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $969 | — | $969 | 2.74% |
| RALPH H KEELER3 | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $442 | — | $442 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUPERIOR VISION PLAN EIN 39-1736329 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $0 |
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 | 6,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEBRASKA | 6,815 | $58.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NEBRASKA | 6,815 | $58.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 9,516 | $720K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 6,815 | $925K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 73 | $997K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,104 | $759K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEBRASKA | 6,815 | $58.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NEBRASKA | 6,815 | $58.2M |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE | 6,815 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,516 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.