| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL SIOUX FALLS, SD 57117 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 5.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 57104 | STANDARD INSURANCE COMPANY | $0 | $126 | $126 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL SIOUX FALLS, SD 57117 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 8.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 57104 | STANDARD INSURANCE COMPANY | $0 | $81 | $81 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL SIOUX FALLS, SD 57117 | STANDARD INSURANCE COMPANY | $1K | $216 | $1K | 11.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 57104 | STANDARD INSURANCE COMPANY | $0 | $16 | $16 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | — |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 412703 BOSTON, MA 02241 | OPTILEGRA, INC. | $4K | — | $4K | — |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PL SIOUX FALLS, SD 57117 | WELLMARK OF SOUTH DAKOTA, INC. | — | — | $0 | — |
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. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 210 | $0 |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 229 | $0 |
| Vision | OPTILEGRA, INC. | 225 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 195 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 198 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.