| 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 | $1K | — | $1K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4280 SERGEANT RD, STE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $420 | — | $420 | 0.62% |
| WILLIAM R KELLER3 | 110 1ST AVE NW STE 1 WATERTOWN, SD 57201 | NORTHWESTERN MUTUAL | $3K | $755 | $4K | 16.80% |
| LUCAS MEINO BRUNS3 | 1011 1ST AVE SE ABERDEEN, SD 57401 | NORTHWESTERN MUTUAL | $300 | $108 | $408 | 1.83% |
| CJS GENERAL AGY LLC3 | 2307 W 57TH ST STE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $300 | $36 | $336 | 1.50% |
| WILLIAMS INSURANCE AGENCY3 | 6300 S. OLD VILLAGE PLACE, STE 200 SIOUX FALLS, SD 57108 | LEADERS LIFE INSURANCE COMPANY | $578 | — | $578 | 6.37% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $252 | — | $252 | 2.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 50263 | COMPANION LIFE INSURANCE COMPANY | $654 | — | $654 | 15.00% |
| DAKOTACARE ADMINISTRATIVE SERVICES3 Filed as: DAKOTACARE ADMIN SERVICES INC. | PO BOX 7406 SIOUX FALLS, SD 57117 | COMPANION LIFE INSURANCE COMPANY | $327 | — | $327 | 7.50% |
| SUMMIT REINSURANCE SERVICES INC3 Filed as: SUMMIT REINSURANCE SERVICES INC. | 7030 POINTE INVERNESS WAY, STE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $87 | — | $87 | 2.00% |
| 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 | $431 | — | $431 | 17.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 502638844 | METLIFE INSURANCE COMPANY | $65 | — | $65 | 2.64% |
| 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 | $138 | — | $138 | 12.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 502638844 | METLIFE INSURANCE COMPANY | $21 | — | $21 | 1.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRANT PRAIRIE PKWY WAUKEE, IA 50263 | METLIFE INSURANCE COMPANY | $246 | — | $246 | 30.04% |
| 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 | $5 | — | $5 | 0.61% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 97 | $68K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 220 | $4K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 15 | $9K |
| Long-term disability | NORTHWESTERN MUTUAL | 157 | $22K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 220 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.