| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASSIDY A GOLDSTINE3 Filed as: CASSIDY ANN GOLDSTINE | 2800 W STRATTON CIRCLE SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48K | — | $48K | 27.80% |
| DIANE M HANSUM3 Filed as: DIANE MARIE HANSUM | 1919 57TH ST STE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 11.35% |
| AWS INC3 | 27212 LOVELY PLACE TEA, SD 57064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 5.77% |
| HEATHER STOLSMARK3 | 2405 S LANCASTER DR SIOUX FALLS, SD 57106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.10% |
| ENROLL CONFIDENTLY INC3 | 687 BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.15% |
| MATAYA LEIGH NABER3 | 4900 S WESTERN AVE SIOUX FALLS, SD 571082747 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.58% |
| STEPHANIE WENCIL3 | 7313 EAST CORINTH STREET SIOUX FALLS, SD 57110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.46% |
| NANCY R VANDENBERGE3 Filed as: NANCY RENEE VANDENBERGE | 7565 S GRAND ARBOR PL SIOUX FALLS, SD 571083142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.41% |
| BETH A GOODWIN3 | 4455 SEEAIRE STREET RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.27% |
| DONALD D ONEILL3 | 2230 N MAIN AVE APT 3 TEA, SD 570643237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.27% |
| ALLIE ROSE BONN3 | 5504 S PITCH CT RAPID CITY, SD 57703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 577022321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | — | $380 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $160 | $160 | 1.01% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $103K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 396 | $174K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $84K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 563 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.