| 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 | $34K | — | $34K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $4K | $919 | $5K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | 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 | $452 | $3K | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $617 | $617 | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $4K | $396 | $4K | 11.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $541 | $541 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $534 | — | $534 | 6.90% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST SIOUX FALLS, SD 57117 | ALLSTATE | $377 | — | $377 | 4.87% |
| AMY L MCKINNEY3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $13 | — | $13 | 0.17% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | ALLSTATE | $7 | — | $7 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC2 Filed as: TRION GROUP, MARSH&MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | ALLSTATE | — | $2 | $2 | 0.03% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $699 | — | $699 | 18.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $511 | — | $511 | 13.76% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | ALLSTATE | $4 | — | $4 | 0.11% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | ALLSTATE | $141 | — | $141 | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | ALLSTATE | $69 | — | $69 | 3.18% |
| WORKPLACE BENEFITS CONSULTANTS3 | PO BOX 540874 OMAHA, NE 68154 | ALLSTATE | $6 | — | $6 | 0.28% |
| STEVE VLK3 | 300 N CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $1K | $9K | $10K | — |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 454 | $2.7M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 580 | $0 |
| Vision | VISION SERVICE PLAN | 211 | $44K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 266 | $48K |
| Short-term disability | STANDARD INSURANCE COMPANY | 266 | $87K |
| Long-term disability | STANDARD INSURANCE COMPANY | 266 | $37K |
| Other(2 contracts) | ALLSTATE | 40 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.