| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: HOWALT MCDOWELL | 225 S. MINNESOTA AVE. PO BOX 5113 SIOUX FALLS, SD 571175113 | SANFORD HEALTH PLAN | $10K | — | $10K | 2.80% |
| MARSH & MCLENNAN AGENCY LLC Filed as: STEVE VLK/HOWALT MCDOWELL INSURANCE | 300 CHERAPA PL STE 601 PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $836 | — | $836 | 1.66% |
| MARSH & MCLENNAN AGENCY LLC | C/O HM 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $367 | — | $367 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY L HOWALT MC | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $370 | — | $370 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY L HOWALT MC | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $277 | — | $277 | 15.02% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 232 | $373K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 254 | $50K |
| Vision | VISION SERVICE PLAN | 47 | $4K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.