| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 505 BROADWAY NORTH STE 100 FARGO, ND 58102 | HEALTHPARTNERS UNITYPOINT HEALTH | $0 | $31K | $31K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF IOWA | $7K | $0 | $7K | 3.90% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 8.01% |
| RONALD T STAEBELL3 Filed as: RONALD STAEBELL | — | GENWORTH FINANCIAL, INC | $7K | $0 | $7K | 4.71% |
| 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 | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $416 | $4K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $2K | $363 | $2K | 20.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $1K | $130 | $1K | 18.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM INSURANCE COMPANY | $710 | $129 | $839 | 20.12% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 459 | $2.4M |
| Dental | DELTA DENTAL OF IOWA | 139 | $178K |
| Vision | VISION SERVICE PLAN | 129 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $173K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $152K |
| Prescription drug | HEALTHPARTNERS UNITYPOINT HEALTH | 459 | $2.4M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
No prospect flags tripped on this filing.