| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $6K | $25K | 16.61% |
| MJ INSURANCE3 Filed as: AWS INC. AND VARIOUS AGENTS | 1919 WEST 5TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $4K | $61 | $4K | 3.49% |
| BRUCE J. BOSSUYT3 | 201 NORTH WILSON STREET MINNEOTA, MN 56264 | AFLAC | $2K | $42 | $2K | 1.54% |
| SHAWNA STARR NYHAUG3 | 206 WEST MAPLE STREET BERESFORD, SD 57004 | AFLAC | $1K | $210 | $1K | 1.27% |
| ERICA HAZELTON3 | 1313 SOUTH PARKVIEW BOULEVARD BRANDON, SD 57005 | AFLAC | $1K | $0 | $1K | 1.11% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $827 | $0 | $827 | 0.74% |
| TRACY L HOSTLER3 Filed as: TRACY L. HOSTLER | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $691 | $0 | $691 | 0.62% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS A. GUSTAFSON | 25977 482ND AVENUE BRANDON, SD 57005 | AFLAC | $663 | $0 | $663 | 0.60% |
| UNKNOWN3 | UNKNOWN COTTONWOOD, MN 56229 | VISION SERVICE PLAN | $637 | $0 | $637 | 6.22% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 5TH STREET EAST, SUITE 500 SAINT PAUL, MN 55101 | VISION SERVICE PLAN | $299 | $0 | $299 | 2.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 202 JEWETT STREET MARSHALL, MN 56258 | VISION SERVICE PLAN | $261 | $0 | $261 | 2.55% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 138 | $111K |
| Vision | VISION SERVICE PLAN | 79 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $153K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $153K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.