| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JO LYNN HIGGINS3 | MARSH MCLENNAN AGENCY LLC 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $4K | — | $4K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| WELLMARK INC5 | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $200 | — | $200 | 0.40% |
| SELECT NETWORKS5 | 6165 NW 86TH S. STE. 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $988 | $9K | 18.89% |
| J.W. TERRILL3 Filed as: J W TERRILL | MARSH MCLENNAN AGENCY LLC COMPANY 825 MARYVILLE CENTRE DR. SUITE 200 CHESTERFIELD, MO 63017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.79% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 254 | $2.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 269 | $348K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 213 | $51K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $46K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $46K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 254 | $2.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.