| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RACHEL GACKLE - MARSH & MCLENNAN | AGENCY LLC PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $4K | — | $4K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $350 | — | $350 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $452 | $4K | 22.92% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $392 | $3K | 22.90% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $404 | $3K | 23.48% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH MCLENNAN AGENCY | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $324 | — | $324 | 8.50% |
| WILLIAM J WALKER4 Filed as: WILLIAM WALKER | 3215 WAYLAND RD WAYLAND, IA 52654 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $176 | — | $176 | 4.62% |
| BRADLEY L WALKER4 | 1216 N 3RD AVE WASHINGTON, IA 52353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $162 | — | $162 | 4.25% |
| ITEM III TRUST U/W DAVID A SAVULA4 | 480 RIVERHILL DR ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.87% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 529 | $292K |
| Vision | STANDARD INSURANCE COMPANY | 192 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 350 | $135K |
| Long-term disability | STANDARD INSURANCE COMPANY | 356 | $82K |
| Other(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 365 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.