| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL | 225 S MINNESOTA AVE SIOUX FALLS, SD 57117 | SANFORD HEALTH PLAN | $17K | — | $17K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $716 | — | $716 | 7.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | — | $767 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $487 | — | $487 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | — | $485 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $418 | — | $418 | 15.00% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 240 | $930K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 267 | $124K |
| Vision | VISION SERVICE PLAN | 51 | $9K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $6K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.