| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.14% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $2K | $282 | $2K | 11.80% |
| WILLIAM R KELLER3 | 110 1ST AVE NW SUITE 1 WATERTOWN, SD 57201 | NORTHWESTERN MUTUAL | $225 | $57 | $282 | — |
| LUCAS MEINO BRUNS3 | 1011 1ST AVE SE ABERDEEN, SD 57401 | NORTHWESTERN MUTUAL | $23 | $8 | $31 | — |
| CJS GENERAL AGY LLC3 Filed as: CJS GENERAL AGY, LLC | 2307 W 57TH STREET SUITE 200 SIOUX FALLS, SD 57108 | NORTHWESTERN MUTUAL | $23 | $3 | $26 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD SUITE 200 SIOUX CITY, IA 51106 | METLIFE INSURANCE COMPANY | $3K | $276 | $3K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | METLIFE INSURANCE COMPANY | $822 | $158 | $980 | — |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 172 | $70K |
| Short-term disability | METLIFE INSURANCE COMPANY | 3 | $0 |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $0 |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 126 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
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.