| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57101 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 2.23% |
| WILLIAM R KELLER3 | 110 1ST AVE NW STE 1 WATERTOWN, SD 57201 | NORTHWESTERN MUTUAL | $3K | $749 | $3K | 16.27% |
| CJS GENERAL AGY LLC3 | 2307 W 57TH ST STE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $296 | $36 | $332 | 1.57% |
| CJS GENERAL AGY LLC3 | 2307 W 57TH ST STE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $195 | $70 | $265 | 1.26% |
| LUCAS MEINO BRUNS3 | 1011 1ST AVE SE ABERDEEN, SD 57401 | NORTHWESTERN MUTUAL | $112 | $40 | $152 | 0.72% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | LEADERS LIFE INSURANCE COMPANY | $886 | — | $886 | 14.40% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $412 | — | $412 | 6.70% |
| BROKER CENTRIC ALLIANCE3 | 1350 S. BOULDER AVE., SUITE 900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $177 | — | $177 | 2.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | COMPANION LIFE INSURANCE COMPANY | $271 | — | $271 | 8.40% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMIN SERVICES INC. | PO BOX 7406 SIOUX FALLS, SD 57117 | COMPANION LIFE INSURANCE COMPANY | $242 | — | $242 | 7.50% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | COMPANION LIFE INSURANCE COMPANY | $213 | — | $213 | 6.60% |
| SUMMIT REINSURANCE SERVICES INC3 Filed as: SUMMIT REINSURANCE SERVICES INC. | 7030 POINTE INVERNESS WAY, STE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $65 | — | $65 | 2.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | HUMANA INSURACE COMPANY | $218 | — | $218 | 7.21% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURACE COMPANY | $214 | — | $214 | 7.07% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURACE COMPANY | $201 | — | $201 | 6.64% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURACE COMPANY | $414 | — | $414 | 15.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | HUMANA INSURACE COMPANY | $325 | — | $325 | 12.08% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURACE COMPANY | $171 | — | $171 | 6.36% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 104 | $56K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 192 | $3K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 12 | $6K |
| Long-term disability | NORTHWESTERN MUTUAL | 182 | $21K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 192 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.