| 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 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | THE STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | THE STANDARD INSURANCE COMPANY | $5K | — | $5K | 12.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | THE STANDARD INSURANCE COMPANY | — | $6K | $6K | 16.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $925 | — | $925 | 8.88% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | ALLSTATE | $149 | — | $149 | 1.43% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $127 | — | $127 | 1.22% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $44 | — | $44 | 0.42% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $37 | — | $37 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $130 | — | $130 | 3.46% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $100 | — | $100 | 2.66% |
| KENDRA JO HUBBARD3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $71 | — | $71 | 1.89% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $36 | — | $36 | 0.96% |
| AMY L MCKINNEY3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $36 | — | $36 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $77 | — | $77 | 2.43% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $5 | — | $5 | 0.16% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $3 | — | $3 | 0.09% |
| 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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 483 | $2.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 564 | $0 |
| Vision | VISION SERVICE PLAN | 218 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 262 | $42K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 262 | $84K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 262 | $36K |
| Other(2 contracts) | ALLSTATE | 34 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.