| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY HOWALT MCDO | P.O. BOX 5113 SIOUX FALLS, SD 57717 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | $0 | $70K | 3.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 91147 SIOUX FALLS, SD 57109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $21K | $44K | 2.11% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY HOWALT & MC | P.O. BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 3.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 91147 SIOUX FALLS, SD 57109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $13K | $17K | 2.53% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 0.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | P.O. BOX 91147 SIOUX FALLS, SD 57109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 N/A | Contract Administrator Service code 13 | — | $493K |
| HEALTH FITNESS EIN 41-1580506 N/A | Contract Administrator Service code 13 | — | $352K |
| MERCER GLOBAL INVESTMENTS EIN 30-0282430 EXEMPT PARTY-IN-INTEREST | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $66K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Contract Administrator Service code 13 | — | $55K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Contract Administrator Service code 13 | — | $35K |
| COMPSYCH EIN 36-3739783 N/A | Contract Administrator Service code 13 | — | $30K |
| PEAK 1 ADMINISTRATORS EIN 37-1668953 N/A | Contract Administrator Service code 13 | — | $19K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 N/A | Investment advisory (participants) Service code 26 | — | $6K |
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 | 1,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 914 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,133 | $2.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,588 | $656K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,133 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,133 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.