| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 1.61% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$1K | — | -$1K | -1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $920 | $920 | 1.61% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $327 | — | $327 | 0.57% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 6.13% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $619 | $619 | 1.38% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.69% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $683 | $683 | 1.59% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $662 | $662 | 1.60% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$864 | — | -$864 | -2.09% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $587 | $587 | 1.71% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$532 | — | -$532 | -1.55% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $748 | — | $748 | 3.35% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $385 | $385 | 1.72% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $311 | $311 | 1.93% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $48 | — | $48 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $147 | $147 | 1.67% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $111 | — | $111 | 1.26% |
| SD AUTO DEALERS ASSOC4 | PO BOX 89008 SIOUX FALLS, SD 57109 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $42 | $42 | 0.88% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$469 | — | -$469 | -9.78% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 604 | $85K |
| Short-term disability(10 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 59 | $368K |
| Long-term disability(10 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 59 | $368K |
| Stop-loss / reinsurancereinsurance(8 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 59 | $354K |
| Other(11 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 500 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.