| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $2K | — | $2K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH & MCLE | PO BOX 5113 SIOUX FALLS, SD 57117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $106 | $1K | 8.45% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | — | $482 | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $421 | — | $421 | 4.55% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 1.50% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGENC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $274 | — | $274 | 6.32% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $174 | — | $174 | 4.01% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 2.19% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, MARSH & MCLENNAN AGENC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $5 | $5 | 0.12% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 220 | $2.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 163 | $210K |
| Vision | VISION SERVICE PLAN | 151 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $46K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $151K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.