| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE INC | PO BOX 5113 SIOUX FALLS, SD 57117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571175113 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 5.49% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS AGENCY INC | 820 ST JOSEPH ST RAPID CITY, SD 57701 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 5.43% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS AGENCY INC | 820 ST JOSEPH ST RAPID CITY, SD 57701 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571175113 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 7.44% |
| AVERA HEALTH PLANS5 Filed as: AVERA HEALTH PLANS, INC | 3816 S ELMWOOD SIOUX FALLS, SD 57105 | AVERA HEALTH PLANS, INC | $12K | — | $12K | 100.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571175113 | RELIANCE STANDARD LIFE INS CO | $333 | — | $333 | 13.28% |
| AVERA HEALTH PLANS3 Filed as: AVERA HEALTH PLANS INC | 3816 S ELMWOOD AVE SIOUX FALLS, SD 57105 | RELIANCE STANDARD LIFE INS CO | $169 | — | $169 | 6.74% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS AGENCY INC | 820 ST JOSEPH ST RAPID CITY, SD 57701 | RELIANCE STANDARD LIFE INS CO | $122 | — | $122 | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571175113 | RELIANCE STANDARD LIFE INS CO | $121 | — | $121 | 7.47% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 221 | $1.9M |
| Dental | ASSURANT-UNION SECURITY INS CO | 221 | $121K |
| Vision | VISION SERVICE PLAN | 206 | $26K |
| Life insurance(3 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 398 | $44K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INS CO | 302 | $30K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 221 | $1.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 223 | $526K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 398 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.