| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | MEDICA INSURANCE COMPANY | $46K | — | $46K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 66 NORTH STATE ROUTE 17, SUITE 200 PARAMUS, NJ 07652 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 5113 SIOUX FALLS, SD 57117 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 0.94% |
| MELISSA ARMATIS3 Filed as: MELISSA JEAN WOKASCH | 12549 STILKE LAKE ROAD FRAZEE, MN 56544 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $691 | $5K | 12.57% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $593 | $2K | 5.94% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $707 | $667 | $1K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS., INC. | PO BOX 5113 SIOUX FALLS, SD 57117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $754 | — | $754 | 1.91% |
| MJ INSURANCE3 Filed as: MICHELE E MARTIN AND VARIOUS AGENTS | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $554 | $112 | $666 | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 5113 SIOUX FALLS, SD 57117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $577 | $63 | $640 | 1.62% |
| TYLER HERRINGTON TORBETT3 Filed as: TYLER JAMES JENDRO | 1100 11TH AVENUE SE SAINT CLOUD, MN 56304 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $49 | $458 | 1.16% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 668 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $234K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $234K |
| Prescription drug | MEDICA INSURANCE COMPANY | 668 | $2.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.