| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94K | — | $94K | 31.06% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 1.27% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $987 | — | $987 | 0.33% |
| ANTHONY C BUECHLER3 | 14 MASTERS CIRCLE LITTLE ROCK, AR 72212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | — | $482 | 0.16% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC | 2209 1ST AVENUE PLATTSMOUTH, NE 68049 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 12.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 12.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.89% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.62% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $903 | — | $903 | 3.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
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 | 1,943 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUEADVANTAGE | 1,365 | $7.8M |
| Dental | DELTA DENTAL | 1,943 | $458K |
| Vision | VISION SERVICE PLAN | 1,059 | $147K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,366 | $584K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 688 | $474K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $27K |
| Prescription drug | BLUEADVANTAGE | 1,365 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,943 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.