| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5300 SOUTH OLD VILLAGE PLACE SUITE 200 SIOUX FALLS, SD 57101 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.42% |
| HEIDI ALFSON3 | 602 IRONWOOD DRIVE HARTFORD, SD 57033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.00% |
| ERIC PALMER3 Filed as: ERIC D. PALMER | 114 NORTH MAIN MITCHELL, SD 57301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.00% |
| HEIDI ALFSON3 | 602 IRONWOOD DRIVE HARTFORD, SD 57033 | AFLAC | $10K | $661 | $10K | 17.15% |
| PERFORMANCE PLUS LLC3 Filed as: PERFORMANCE PLUS, LLC | 114 NORTH MAIN STREET MITCHELL, SD 57301 | AFLAC | $2K | $538 | $2K | 3.46% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $811 | $0 | $811 | 1.33% |
| BRENDA GLANZER3 | 131 ELVA STREET NORTH CANOVA, SD 57321 | AFLAC | $479 | $200 | $679 | 1.11% |
| DEVIN ALFSON3 | 602 IRONWOOD DRIVE HARTFORD, SD 57033 | AFLAC | $589 | $82 | $671 | 1.10% |
| MJ INSURANCE3 Filed as: TRACY HOSTLER AND VARIOUS AGENTS | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $272 | $0 | $272 | 0.45% |
| ERIC PALMER3 | 114 NORTH MAIN STREET MITCHELL, SD 57301 | AFLAC | $149 | $53 | $202 | 0.33% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 436 | $188K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $165K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $165K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $165K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.