| 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 | $27 | — | $27 | 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 | 1.99% |
| MICAH VIS3 Filed as: MICAH JOHN VIS | 1508 12TH AVENUE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $667 | $4K | 5.98% |
| SDADA SERVICES INC3 Filed as: SDADA SERVICES, INC. | P.O. BOX 89008 SIOUX FALLS, SD 57109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.74% |
| TMB ENTERPRISES INC3 | 1307 EAST 31 STREET KEARNEY, NE 68847 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $494 | $2K | 2.21% |
| EMMALEE ANNE WESTFALL3 | 16697 WOODLAND DRIVE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $703 | $224 | $927 | 1.24% |
| GERRIT VIS3 | 3147 ELMWOOD AVENUE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $445 | $320 | $765 | 1.02% |
| JAMIE FREDRICKSON3 | 10212 ROSEWATER PARKWAY BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $210 | $653 | 0.87% |
| JENNIFER A THOMPSON3 | 48433 BEAVER VALLEY RD VALLEY SPRINGS, SD 57068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | — | $571 | 0.76% |
| JAMES L MURPHY3 | 3016 AMANDA COURT SIOUX FALLS, SD 57103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $23 | $244 | 0.33% |
| WILLIAM JAMES MURPHY3 | 3016 AMANDA COURT SIOUX FALLS, SD 57106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.30% |
| MARTIN J URBANSKI3 | 2809 STATE ST GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $56 | $133 | 0.18% |
| DEBRA CAROL HAYES3 | 12120 STONEGATE DRIVE OMAHA, NE 68164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.12% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $13 | $45 | 0.06% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $11 | $42 | 0.06% |
| KRISTEN ELISE RANDALL3 | 22 S GAY DRIVE LONGMONT, CO 80501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| KEVIN C ARMSTRONG3 Filed as: KEVIN C ARMSTRONG INSURANCE INC | 4027 WEST FAIDLEY GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.05% |
| JOEL FENNEMA3 | 1570 SUNRISE CIRCLE SIOUX CENTER, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $7 | $38 | 0.05% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.05% |
| AMBER LYNN ZOMER3 | 3121 DOVE AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| GREGGORY LYNN HOLLIDAY3 | 1131 SAGEWOOD AVE GRAND ISLAND, NE 68803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| JODI LYNN VANBEEK3 | 1502 12TH AVE ROCK VALLEY, IA 51247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GINA M WESOLEK3 | 114 LAKE WOOD CIRCLE WOODLAND PARK, CO 80863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 INS | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $424 | $9K | 14.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $897 | — | $897 | 6.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS. | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $86 | $2K | 14.39% |
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 | 229 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 144 | $914K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 244 | $79K |
| Vision | VISION SERVICE PLAN | 120 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $73K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $61K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
No prospect flags tripped on this filing.