| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $15K | — | $15K | 1.64% |
| MICAH VIS3 Filed as: MICAH JOHN VIS | 1508 12TH AVENUE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 7.60% |
| SDADA SERVICES INC3 Filed as: SDADA SERVICES, INC. | P.O. BOX 89008 SIOUX FALLS, SD 57109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.79% |
| TMB ENTERPRISES INC3 | 1307 EAST 31 STREET KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $447 | $2K | 2.49% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | $394 | $1K | 1.60% |
| GERRIT VIS3 | 3147 ELMWOOD AVENUE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $493 | $766 | $1K | 1.58% |
| CARRIE ANNE SWINARSKI-BAIER3 | 5912 PIERCE STREET OMAHA, NE 68106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $966 | $52 | $1K | 1.28% |
| JENNIFER A THOMPSON3 | 48433 BEAVER VALLEY RD VALLEY SPRINGS, SD 57068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | — | $949 | 1.19% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $20 | $375 | 0.47% |
| WILLIAM JAMES MURPHY3 | 3016 AMANDA COURT SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $34 | $327 | 0.41% |
| JAMES L MURPHY3 | 3016 AMANDA COURT SIOUX FALLS, SD 57103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $2 | $295 | 0.37% |
| KEVIN C ARMSTRONG3 Filed as: KEVIN C ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $60 | $235 | 0.30% |
| GREGGORY LYNN HOLLIDAY3 | 1131 SAGEWOOD AVE GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $23 | $187 | 0.23% |
| JOEL FENNEMA3 | 1570 SUNRISE CIRCLE SIOUX CENTER, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $34 | $118 | 0.15% |
| MARTIN J URBANSKI3 | 2809 STATE ST GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $18 | $102 | 0.13% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.08% |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $20 | $62 | 0.08% |
| NICOLLE MARIE BERRETH3 | 46712 213TH STREET BROOKINGS, SD 57006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $34 | $60 | 0.08% |
| JODI LYNN VANBEEK3 | 1502 12TH AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| AMBER LYNN ZOMER3 | 3121 DOVE AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| SAMMI LYNN TSCHETTER3 | 270 WEST PARK AVE HURON, SD 57350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE INC. | 300 CHERAPA PL, SUITE 601 PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $746 | $10K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS. | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $178 | $2K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $872 | — | $872 | 6.50% |
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 | 279 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 134 | $916K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 231 | $78K |
| Vision | VISION SERVICE PLAN | 108 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $74K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $60K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.