| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FISCHER ROUNDS & ASSOCIATES INC3 Filed as: FISCHER ROUNDS & ASSOCIATES | 125 E DAKOTA AVE PO BOX 218 PIERRE, SD 57501 | AVERA HEALTH PLANS, INC. | $82K | — | $82K | 1.79% |
| MERLE WOLLMAN3 | FISCHER, ROUNDS AND ASSOCIATES 2300 W 49TH STREET SIOUX FALLS, SD 57105 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.39% |
| FISCHER ROUNDS & ASSOCIATES INC3 Filed as: FISCHER ROUNDS AND ASSOCIATES INC | 2300 W 49TH ST SIOUX FALLS, SD 57105 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 12.94% |
| BENEUSA LLC3 | 1851 LAKE DR WEST SUITE 350 CHANHASSEN, MN 55317 | HARTFORD LIFE AND ACCIDENT | — | $740 | $740 | 2.51% |
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 | 911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC. | 1,442 | $4.6M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 904 | $204K |
| Vision | AVERA HEALTH PLANS, INC. | 1,442 | $4.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 911 | $29K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 911 | $29K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 911 | $29K |
| Prescription drug | AVERA HEALTH PLANS, INC. | 1,442 | $4.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 911 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.