| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.95% |
| MICHAEL S. SCHNEIDER3 Filed as: MICHAEL STEFFEN SCHNEIDER | PO BOX 98113 LAS VEGAS, NV 89193 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.16% |
| MICHAEL S. SCHNEIDER3 | PO BOX 98113 LAS VEGAS, NV 89193 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.29% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 75 WEST TOWNE RIDGE PARKWAY SANDY, UT 84070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $254 | $0 | $254 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | $0 | $161 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.02% |
| M STEFFEN SCHNEIDER AGENCY LLC3 Filed as: M. STEFFEN SCHNEIDER | PO BOX 98113 LAS VEGAS, NV 89193 | MADISON NATIONAL LIFE INSURANCE | $19K | $0 | $19K | 20.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE | $0 | $6K | $6K | 6.00% |
| M STEFFEN SCHNEIDER AGENCY LLC3 Filed as: M. STEFFEN SCHNEIDER | PO BOX 98113 LAS VEGAS, NV 89193 | KANSAS CITY LIFE INSURANCE | $15K | $0 | $15K | 20.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE | $0 | $8K | $8K | 11.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES, INC. | UNKNOWN SAINT GEORGE, UT 84790 | U.S. LEGAL SERVICES, INC. | $7K | $0 | $7K | 12.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | UNUM LIE INSURANCE COMPANY OF AMERICA | $3K | $436 | $4K | 17.91% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE | 152 | $98K |
| Short-term disability(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE | 152 | $114K |
| Long-term disability(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE | 152 | $114K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 157 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.