| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 1300 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $2K | $0 | $2K | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $208 | $46 | $254 | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 105 OMAHA, NE 68154 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN CENTER DRIVE | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $73 | $0 | $73 | 0.38% |
| ERICA HAZELTON3 | 1313 S PARKVIEW BOUELVARD BRANDON, SD 57005 | AFLAC | $718 | $74 | $792 | 12.30% |
| HEATHER ROWE3 | 27007 SERENITY PLACE CHANCELLOR, SD 57015 | AFLAC | $709 | $74 | $783 | 12.16% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS GUSTAFSON | 25977 482ND AVENUE BRANDON, SD 57005 | AFLAC | $512 | $57 | $569 | 8.84% |
| AWS INC3 | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $260 | $20 | $280 | 4.35% |
| KATHELYN BREYFOGLE3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $133 | $0 | $133 | 2.07% |
| PATRICK K RICKERL3 Filed as: PATRICK RICKERL | 3300 SOUTH PILLSBERRY AVENUE SIOUX FALLS, SD 57103 | AFLAC | $130 | $0 | $130 | 2.02% |
| MELISSA J BECK3 Filed as: MELISSA BECK AND OTHER AGENTS | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $75 | $5 | $80 | 1.24% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC. | 319 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 338 | $131K |
| Vision | VISION SERVICE PLAN | 161 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $38K |
| Short-term disability | AFLAC | 14 | $6K |
| Prescription drug | AVERA HEALTH PLANS, INC. | 319 | $1.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.