| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN A. HOWALT & MCDOWELL | 300 N CHERAPA PL SIXTH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY MCGRAW WENDTW | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY MCGRAW WENDTW | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN A. HOWALT & MCDOWELL | 300 N CHERAPA PL 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $179 | — | $179 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH MCLENNAN AGENCY KANDY JAMISON | 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 | 300 N CHERAPA PL SIOUX FALLS, SD 57117 | WELLMARK OF SOUTH DAKOTA, INC. | — | — | $0 | — |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH MCLENNAN AGENCY MMA TRION OPE | PO BOX 412703 BOSTON, MA 02241 | OPTILEGRA, INC. | $5K | — | $5K | — |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 199 | $0 |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 548 | $0 |
| Vision | OPTILEGRA, INC. | 215 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 185 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 185 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.