| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $7K | $20K | 5.79% |
| CASSIDY A GOLDSTINE3 Filed as: CASSIDY A. GOLDSTINE | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $32K | $2K | $34K | 10.54% |
| MEHLBRECH INSURANCE INC3 Filed as: MEHLBRECH INS INC. AND OTHER AGENTS | 47152 257TH STREET CROOKS, SD 57020 | AFLAC | $20K | $592 | $21K | 6.42% |
| DIANE M HANSUM3 Filed as: DIANE M. HANSUM | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $5K | $275 | $6K | 1.75% |
| HEATHER ROWE3 Filed as: HEATHER M. STOLSMARK | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $5K | $284 | $5K | 1.68% |
| DONALD D ONEILL3 Filed as: DONALD D. ONEILL | 2230 NORTH MAIN AVENUE, SUITE 3 TEA, SD 57064 | AFLAC | $4K | $429 | $5K | 1.39% |
| TRACY L HOSTLER3 Filed as: TRACY L. HOSTLER | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $3K | $334 | $3K | 1.04% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $3K | $52 | $3K | 1.00% |
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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 465 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 884 | $354K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 884 | $354K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 884 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.