| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE INC | PO BOX 5113 SIOUX FALLS, SD 571175113 | SANFORD HEALTH PLAN | $30K | — | $30K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE INC | PO BOX 5113 SIOUX FALLS, SD 571175113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $2K | — | $2K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $1K | — | $1K | 8.70% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 8716 RIVERDALE RD PLATTSMOUTH, NE 680484809 | ALLSTATE | $441 | — | $441 | 2.71% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $188 | — | $188 | 1.16% |
| AMY L MCKINNEY3 Filed as: AMY L. MCKINNEY | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $86 | — | $86 | 0.53% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $51 | — | $51 | 0.31% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $27 | — | $27 | 0.17% |
| SARA E DEBAUCHE3 Filed as: SARA E. DEBAUCHE | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $22 | — | $22 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $89 | — | $89 | 3.07% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $7 | — | $7 | 0.24% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 8716 RIVERDALE RD PLATTSMOUTH, NE 680484809 | ALLSTATE | $3 | — | $3 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571175113 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 460 | $2.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 563 | $0 |
| Vision | VISION SERVICE PLAN | 211 | $35K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 460 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $33K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 460 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.