| 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 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $585 | — | $585 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $2K | — | $2K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $283 | — | $283 | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $253 | — | $253 | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $771 | — | $771 | 8.22% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST SIOUX FALLS, SD 57117 | ALLSTATE | $575 | — | $575 | 6.13% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, MARSH&MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ALLSTATE | — | $17 | $17 | 0.18% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $14 | — | $14 | 0.15% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $453 | — | $453 | 15.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $348 | — | $348 | 12.14% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, MARSH&MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ALLSTATE | — | $12 | $12 | 0.42% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $299 | — | $299 | 12.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $152 | — | $152 | 6.20% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GROUP, MARSH&MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ALLSTATE | — | $8 | $8 | 0.33% |
| STEVE VLK3 | 300 N CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | 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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | 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) | SANFORD HEALTH PLAN | 435 | $2.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 563 | $0 |
| Vision | VISION SERVICE PLAN | 204 | $44K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 264 | $44K |
| Short-term disability | STANDARD INSURANCE COMPANY | 263 | $83K |
| Long-term disability | STANDARD INSURANCE COMPANY | 264 | $36K |
| Other(2 contracts) | ALLSTATE | 39 | $12K |
| 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.