| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYNE SOMSEN3 | FISCHER, ROUNDS AND ASSOCIATES 2300W 49TH STREET SIOUX FALLS, SD 57105 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.43% |
| ACRIPOINT LLC3 | 2300 W 49TH ST SIOUX FALLS, SD 57105 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.93% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.64% |
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 | 827 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 612 | $4.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 827 | $183K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 946 | $158K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 946 | $158K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 946 | $158K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 946 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.