| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JADE COMPANIES LLC3 Filed as: JADE N. WITHERS AND OTHER BROKERS | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $6K | $28 | $6K | 3.85% |
| BRUCE J. BOSSUYT3 | 201 NORTH WILSON STREET MINNEOTA, MN 56264 | AFLAC | $4K | $349 | $5K | 2.93% |
| JEREMY ALLEN BLOKER3 | 306 ADAMS AVENUE VOLGA, SD 57071 | AFLAC | $2K | $135 | $2K | 1.59% |
| SHAWNA STARR NYHAUG3 | 206 WEST MAPLE STREET BERESFORD, SD 57004 | AFLAC | $2K | $0 | $2K | 1.54% |
| TRACY L HOSTLER3 Filed as: TRACY L. HOSTLER | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $2K | $97 | $2K | 1.15% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $1K | $0 | $1K | 0.80% |
| JADE WITHERS3 | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $908 | $69 | $977 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 MINNEAPOLIS, MN 55431 | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.53% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 180 | $155K |
| Life insurance | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 266 | $153K |
| Long-term disability | THE GUARDIAN NATIONAL LIFE INSURANCE COMPANY | 266 | $153K |
| Other(2 contracts, 2 carriers) | AFLAC | 266 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.