| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANT A HOUWMAN Filed as: GRANT AARON HOUWMAN | 1510 SOUTH PHILIPS AVENUE SIOUX FALLS, SD 57105 | SANFORD HEALTH PLAN | $21K | — | $21K | 1.52% |
| GRANT A HOUWMAN3 Filed as: GRANT AARON HOUWMAN | 200 S PHILLIPS AVE STE 200 SIOUX FALLS, SD 57104 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2K | — | $2K | 2.63% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1K | — | $1K | 2.33% |
| JAMI GATES3 | 34 HEMINGWAY DR RIVERSIDE, RI 02915 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $796 | — | $796 | 1.27% |
| PAMELA J KREBER3 Filed as: PAMELA JEAN KREBER | 5905 S DEER PARK DRIVE SIOUX FALLS, SD 57108 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $532 | — | $532 | 0.85% |
| KATELYN BREYFOGLE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57104 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $253 | — | $253 | 0.40% |
| CRAIG S STADTFELD3 Filed as: CRAIG STADTFELD | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $253 | — | $253 | 0.40% |
| SLOANE MUEHLER3 Filed as: SLOANE LEIGH MUEHLER | 2731 12TH AVE S STE B FARGO, ND 58103 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $132 | — | $132 | 0.21% |
| GRANT A HOUWMAN3 Filed as: GRANT AARON HOUWMAN | 1510 SOUTH PHILIPS AVENUE SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.37% |
| PAMELA J KREBER3 Filed as: PAMELA JEAN KREBER | 5905 S DEER PARK DRIVE SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.25% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| AWS INC3 Filed as: AWS, INC | 27212 LOVELY PLACE TEA, SD 57064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS ALAN GUSTAFSON | 108 CHICORY BRANDON, SD 57005 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.04% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 243 | $1.4M |
| Dental | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 446 | $63K |
| Vision | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | 446 | $63K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 170 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.