| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER4 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE CO | $28K | — | $28K | 13.94% |
| GROUP MARKETING SERVICES INC4 Filed as: GROUP MARKETING SERVICES INC. | 17445 ARBOR STREET STE 200 OMAHA, NE 68130 | AMERICAN HERITAGE LIFE INSURANCE CO | $11K | — | $11K | 5.66% |
| KEELER & ASSOCIATES4 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE CO | $2K | — | $2K | 0.79% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | AMERICAN HERITAGE LIFE INSURANCE CO | $2K | — | $2K | 0.78% |
| ANTHONY C BUECHLER4 Filed as: ANTHONY C BUECHELER | 1203 COLONIAL CIRCLE OMAHA, NE 68046 | AMERICAN HERITAGE LIFE INSURANCE CO | $601 | — | $601 | 0.30% |
| MERGE FINANCIAL SOLUTIONS, LLC4 Filed as: MERGE FINANCIAL SOLUTIONS LLC | 4701 WEST 2100 SOUTH SALT LAKE CITY, UT 84120 | AMERICAN HERITAGE LIFE INSURANCE CO | $211 | — | $211 | 0.11% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $2K | — | $2K | 2.76% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE CO | 252 | $199K |
| Vision | VISION SERVICE PLAN | 667 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.