| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $664 | $2K | +792.6% |
| Broker comp per covered life | $84 | $30 | $50 | +178.3% |
| Broker comp % of premium | 1.4% | 5.4% | 6.6% | -4.0 pp |
| Retention rate | 5.4% | 0.0% | 1.9% | |
| Premium YoY % | -21.7% | -2.9% | 4.3% | -18.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.8M | $413K | $2.2M | 12.90% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $1.9M | — | $1.9M | 51.19% |
| MARSH & MCLENNAN AGENCY LLC COMPANY3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE | — | $29K | $29K | 0.78% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.05% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $96 | — | $96 | 0.00% |
| RALPH H KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $13 | — | $13 | 0.00% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 0.00% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $1 | — | $1 | 0.00% |
| BARNEY & BARNEY A, MARSH & MCLENNAN4 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $52K | — | $52K | 10.00% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21K | — | $21K | 4.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 2.00% |
| BARNEY & BARNEY A, MARSH & MCLENNAN4 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $128K | — | $128K | 28.00% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE. WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $18K | — | $18K | 4.00% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | $9K | — | $9K | 2.00% |
| REUBEN WARNER ASSOCIATES, INC3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $72K | $72K | 20.00% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 1.30% |
| AON CONSULTING INC - LYNDHURST3 | 125 CHUBB AVE LYNDHURST, NJ 07071 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.49% |
| JAMES DUNCAN DAVIDSON3 | 3100 E MIMRALOMA AVE STE 240 ANAHEIM, CA 92806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.47% |
| AON CONSULTING INC - CHICAGO3 | 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.40% |
| AON CONSULTING INC - NEW YORK3 | 199 WATER STREET NEW YORK, NY 10038 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.09% |
| AON CONSULTING INC - CHICAGO3 | 200 E RANDOLPH ST CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC COMPANY3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE | — | $7K | $7K | 77.53% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $875 | — | $875 | 10.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE | $616 | — | $616 | 7.35% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $43 | — | $43 | 0.51% |
| RALPH H KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE | $4 | — | $4 | 0.05% |
| JOANN R MEYER3 | PO BOX 540874 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE | $2 | — | $2 | 0.02% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68131 | AMERICAN HERITAGE LIFE INSURANCE | $1 | — | $1 | 0.01% |
| AON CONSULTING, INC. | STE 1100 5600 W 83RD ST 8200 TOWER BLOOMINGTON, MN 55437 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | $703 | $703 | — |
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 | 43,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 804 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 44,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | SANFORD HEALTH PLAN | 43,793 | $265.6M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 53,155 | $25.7M |
| Vision | VISION SERVICE PLAN | 19,768 | $5.3M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,883 | $17.1M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,883 | $20.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38,883 | $17.0M |
| Prescription drug(3 contracts, 3 carriers) | HMSA | 5,458 | $1.1M |
| Other(5 contracts, 5 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 42,962 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 53,155 | — |
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."
No prospect flags tripped on this filing.