| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $2K | $0 | $2K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.12% |
| CASSIDY A GOLDSTINE3 Filed as: CASSIDY A. GOLDSTINE | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $11K | $382 | $12K | 16.25% |
| TRACY L HOSTLER3 Filed as: TRACY L. HOSTLER | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $2K | $66 | $2K | 2.55% |
| AARON D GOLDSTINE3 Filed as: AARON D. GOLDSTINE | 2800 WEST STRATTON STREET SIOUX FALLS, SD 57108 | AFLAC | $1K | $0 | $1K | 1.83% |
| DONALD D ONEILL3 Filed as: DONALD ONEILL AND OTHER AGENTS | 8716 WEST 32ND STREET APARTMENT 48 SIOUX FALLS, SD 57106 | AFLAC | $596 | $23 | $619 | 0.87% |
| CACIE JO NORTON3 Filed as: CACIE JO MARKEL | 8204 SOUTH HUGHES AVENUE APARTMENT 2 SIOUX FALLS, SD 57108 | AFLAC | $556 | $7 | $563 | 0.79% |
| MELODY B THOMPSON3 Filed as: MELODY B. THOMPSON | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $439 | $0 | $439 | 0.62% |
| DONALD D ONEILL3 Filed as: DONALD D. ONEILL | 2230 NORTH MAIN AVENUE TEA, SD 57064 | AFLAC | $167 | $0 | $167 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.32% |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 224 | $1.8M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 472 | $177K |
| Vision | VISION SERVICE PLAN | 197 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $79K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 224 | $1.8M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 410 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.