| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106K | — | $106K | 21.87% |
| SHAWN J KEELER3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | — | $52K | 10.63% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 0.03% |
| ANTHONY C BUECHLER3 | 13811 S 50TH ST PAPILLION, NE 68133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.03% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES INC | 211 S 23RD ST PLATTSMOUTH, NE 68048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES INC | 211 S 23RD ST PLATTSMOUTH, NE 68048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.92% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES INC | 211 S 23RD ST PLATTSMOUTH, NE 68048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.18% |
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 | 1,946 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUEADVANTAGE | 1,288 | $11.0M |
| Dental | DELTA DENTAL | 1,946 | $460K |
| Vision | VISION SERVICE PLAN | 1,011 | $163K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 810 | $899K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 772 | $793K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $77K |
| Prescription drug | BLUEADVANTAGE | 1,288 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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.