| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENGY LLC | PO BOX 5113 SIOUX FALLS, SD 57117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $719 | $13K | 21.26% |
| V AND S MARKETING3 | 1508 12TH AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 16.35% |
| NANCY CLAUSSEN3 | 196 E 6TH ST SIOUX FALLS, SD 57104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 13.88% |
| JODI LYNN VANBEEK3 | 1502 12TH AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $506 | $4K | 5.91% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 3.94% |
| MARK CARL MOON3 | 200 STONE DR YANKTON, SD 57078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.51% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE LYNE WOOKEY | 1617 12TH AVE NE WATERTOWN, SD 57201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $45 | $1K | 1.97% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK RD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 3.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 1.53% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 5.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 1.66% |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $58K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $33K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 305 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.