| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DON HOUWMAN3 | 200 S PHILLIPS AVE STE 200 SIOUX FALLS, SD 57104 | SANFORD HEALTH PLAN | $20K | — | $20K | 1.60% |
| SLOANE MUEHLER3 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $2K | — | $2K | 9.99% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.81% |
| GRANT A HOUWMAN3 Filed as: GRANT AARON HOUWMAN | 1510 SOUTH PHILIPS AVENUE SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.30% |
| PAMELA J KREBER3 Filed as: PAMELA JEAN KREBER | 5905 S DEER PARK DRIVE SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.58% |
| JAMI GATES3 Filed as: JAMI L GATES | 1408 S SUNNY VIEW DR SIOUX FALLS, SD 57110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | — | $715 | 4.20% |
| AWS INC3 Filed as: AWS, INC | 27212 LOVELY PLACE TEA, SD 57064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $446 | — | $446 | 2.62% |
| SLOANE MUEHLER3 Filed as: SLOANE LEIGH MUEHLER | 1210 22ND AVE W WEST FARGO, ND 580783166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | — | $217 | 1.27% |
| THOMAS J CASSADY3 Filed as: THOMAS JOHN CASSADY | 1102 5TH ST S FARGO, ND 581032820 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.09% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 268 | $1.2M |
| Dental | AFLAC | 490 | $19K |
| Vision | AFLAC | 490 | $19K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 139 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.