| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 WEST PLAZA TWO STE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 2.32% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGY HOWALT & MCDOW | PO BOX 5113 SIOUX FALLS, SD 57117 | CIGNA GROUP INSURANCE | — | $2K | $2K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGY HOWALT & MCDOW | PO BOX 5113 SIOUX FALLS, SD 57117 | CIGNA GROUP INSURANCE | — | $783 | $783 | 2.86% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGY HOWALT & MCD | PO BOX 5113 SIOUX FALLS, SD 57117 | CIGNA GROUP INSURANCE | — | $156 | $156 | 3.19% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 238 | $1.6M |
| Dental | ASSURANT-UNION SECURITY INS CO | 238 | $136K |
| Vision | VISION SERVICE PLAN | 219 | $28K |
| Life insurance | CIGNA GROUP INSURANCE | 398 | $51K |
| Long-term disability | CIGNA GROUP INSURANCE | 288 | $27K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 238 | $1.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $714K |
| Other | CIGNA GROUP INSURANCE | 398 | $5K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.