| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE | 300 CHERAPA PL STE 601 PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC C/O H&M | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 571032277 | VISION SERVICE PLAN | $2K | — | $2K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS INC | PO BOX 5113 SIOUX FALLS, SD 571035113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $20 | $20 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE, INC. | PO BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $212 | $3K | 15.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | ALLSTATE BENEFITS | $1K | — | $1K | 6.99% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 8716 RIVERDALE RD PLATTSMOUTH, NE 680484809 | ALLSTATE BENEFITS | $1K | — | $1K | 6.60% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 680482849 | ALLSTATE BENEFITS | $10 | — | $10 | 0.06% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE BENEFITS | $321 | — | $321 | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | ALLSTATE BENEFITS | $214 | — | $214 | 3.07% |
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 | 249 | 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) | 249 | 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 | 169 | $1.6M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 363 | $153K |
| Vision | VISION SERVICE PLAN | 107 | $40K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $34K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $132K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 169 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.