| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL | 225 S MINNESOTA AVE PO BOX 5113 SIOUX FALLS, SD 571175113 | SANFORD HEALTH PLAN | $44K | — | $44K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.90% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.81% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $159 | — | $159 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC2 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $146 | $146 | 0.40% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $129 | $129 | 0.49% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.47% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 628 | $3.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $72K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.