| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE INC | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HEALTHPARTNERS UNITYPOINT HEALTH | $0 | $26K | $26K | 1.77% |
| RONALD T STAEBELL3 Filed as: RONALD STAEBELL | 4910 S. ISABEL PLACE STE. 100 SIOUX FALLS, SD 57108 | GENWORTH FINANCIAL, INC | $13K | $0 | $13K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE SIOUX FALLS, SD 57117 | DELTA DENTAL OF IOWA | $6K | $0 | $6K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH & | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $11K | 9.03% |
| MARSH & MCLENNAN AGENCY LLC3 | CO HM 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH & | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $231 | $2K | 17.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 381 | $1.5M |
| Dental | DELTA DENTAL OF IOWA | 118 | $120K |
| Vision | VISION SERVICE PLAN | 107 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $117K |
| Prescription drug | HEALTHPARTNERS UNITYPOINT HEALTH | 381 | $1.5M |
| Other(3 contracts, 2 carriers) | GENWORTH FINANCIAL, INC | 201 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.