| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANT A HOUWMAN3 Filed as: GRANT AARON HOUWMAN | 1510 SOUTH PHILIPS AVENUE SIOUX FALLS, SD 57105 | SANFORD HEALTH PLAN | $23K | — | $23K | 1.47% |
| GRANT A HOUWMAN3 | 200 S PHILLIPS AVE STE 200 SIOUX FALLS, SD 57104 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $3K | — | $3K | 3.25% |
| MELISSA J BECK3 Filed as: MELISSA BECK | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $3K | — | $3K | 2.87% |
| JAMI GATES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1K | — | $1K | 1.56% |
| PAMELA J KREBER3 Filed as: PAMELA KREBER | 5905 S DEER PARK DRIVE SIOUX FALLS, SD 57108 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $923 | — | $923 | 1.05% |
| CRAIG S STADTFELD3 Filed as: CRAIG STADTFELD | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $442 | — | $442 | 0.50% |
| KATELYN BREYFOGLE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57104 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $440 | — | $440 | 0.50% |
| SLOANE MUEHLER3 | 1307 NP AVE N FARGO, ND 58102 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $231 | — | $231 | 0.26% |
| LYNN BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $4 | — | $4 | 0.00% |
| GRANT A HOUWMAN3 Filed as: GRANT AARON HOUWMAN | 1510 SOUTH PHILIPS AVENUE SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.35% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.56% |
| AWS INC3 | 27212 LOVELY PLACE TEA, SD 57064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| PAMELA J KREBER3 Filed as: PAMELA JEAN KREBER | 5905 S DEER PARK DRIVE SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $588 | — | $588 | 0.76% |
| JAMI GATES3 | 1408 S SUNNY VIEW DR SIOUX FALLS, SD 57110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.17% |
| SLOANE MUEHLER3 Filed as: SLOANE LEIGH MUEHLER | 1210 22ND AVE W WEST FARGO, ND 580783166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.15% |
| LYNN BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.12% |
| SARA PETERSEK3 | 28665 - 326TH AVE COLOME, SD 57528 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| PATRICK K RICKERL3 Filed as: PATRICK RICKERL | 3300 S PILLSBERRY AVE SIOUX FALLS, SD 571037288 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| BRIDGET ANN SCHAPP3 | 1825 N 19TH ST BISMARCK, ND 58501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| HEATHER ROWE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| AMBER WIEGER3 | 3929 S VILLANOVA AVE SIOUX FALLS, SD 57106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JACKIE MARIE BAUER3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 571082711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| KATELYN BREYFOGLE3 | 1209 E KEYSTONE PL APT 210 BRANDON, SD 57005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS ALAN GUSTAFSON | 108 CHICORY BRANDON, SD 57005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MEGAN J KLASI3 Filed as: MEGAN KLASI | 104 COTTS DRIVE NORTH SIOUX CITY, SD 57049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| THOMAS J CASSADY3 Filed as: THOMAS JOHN CASSADY | 1102 5TH ST S FARGO, ND 581032820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DARREN J FERNER3 Filed as: DARREN FERNER | 301 BOBWHITE CIRCLE DAKOTA DUNES, SD 57049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HOUWMAN INS & COMPANIES INC3 Filed as: HOUWMAN INSURANCE & COMPANIES INC | 200 S PHILLIPS AVE STE 200 SIOUX FALLS, SD 57104 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.75% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 247 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $67K |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 234 | $88K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 45 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.