| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 5120 S SOLBERG AVE SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.22% |
| WILLIAM R KELLER3 | 110 1ST AVE NW STE 1 WATERTOWN, SD 57201 | NORTHWESTERN MUTUAL | $4K | $987 | $5K | 17.94% |
| LUCAS MEINO BRUNS3 | 1011 1ST AVE SE ABERDEEN, SD 57401 | NORTHWESTERN MUTUAL | $354 | $127 | $481 | 1.91% |
| CJS GENERAL AGY LLC3 | 2307 W 57TH ST STE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $354 | $42 | $396 | 1.57% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | LEADERS LIFE INSURANCE COMPANY | $1K | — | $1K | 15.99% |
| BROKER CENTRIC ALLIANCE3 | 1350 S. BOULDER AVE., SUITE 900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $306 | — | $306 | 3.90% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $197 | — | $197 | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | METLIFE INSURANCE COMPANY | $941 | — | $941 | 26.65% |
| 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 | $319 | — | $319 | 9.15% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMIN SERVICES INC. | PO BOX 7406 SIOUX FALLS, SD 57117 | COMPANION LIFE INSURANCE COMPANY | $262 | — | $262 | 7.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 50263 | COMPANION LIFE INSURANCE COMPANY | $205 | — | $205 | 5.88% |
| SUMMIT REINSURANCE SERVICES INC3 Filed as: SUMMIT REINSURANCE SERVICES INC. | 7030 POINTE INVERNESS WAY, STE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $70 | — | $70 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | METLIFE INSURANCE COMPANY | $893 | — | $893 | 30.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 502638844 | METLIFE INSURANCE COMPANY | $61 | — | $61 | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 571082103 | METLIFE INSURANCE COMPANY | $459 | — | $459 | 54.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 502638844 | METLIFE INSURANCE COMPANY | $41 | — | $41 | 4.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6300 S OLD VILLAGE PLACE STE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $23 | — | $23 | 9.39% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $17 | — | $17 | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6300 S OLD VILLAGE PLACE STE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $48 | — | $48 | 24.37% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $12 | — | $12 | 6.09% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 111 | $70K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 193 | $3K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 13 | $8K |
| Long-term disability | NORTHWESTERN MUTUAL | 180 | $25K |
| Other(6 contracts, 3 carriers) | METLIFE INSURANCE COMPANY | 193 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.