| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | HEALTHPARTNERS UNITYPOINT HEALTH | $36K | $53 | $36K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF IOWA | $8K | $2K | $10K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $13K | 7.36% |
| RONALD T STAEBELL3 Filed as: RONALD STAEBELL | — | GENWORTH FINANCIAL, INC | $7K | $0 | $7K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $546 | $5K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC C/O H+M | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $2K | $379 | $3K | 19.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $2K | $198 | $2K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $1K | $168 | $1K | 19.71% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 488 | $3.0M |
| Dental | DELTA DENTAL OF IOWA | 149 | $222K |
| Vision | VISION SERVICE PLAN | 139 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $209K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $181K |
| Prescription drug | HEALTHPARTNERS UNITYPOINT HEALTH | 488 | $3.0M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.