| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTY WESTERMAN3 | MARSH MCLENNAN AGENCY LLC 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH | P O BOX 5113 SIOUX FALLS, SD 57117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $426 | $426 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $1K | — | $1K | 4.44% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $2K | $67 | $2K | 7.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | AFLAC | $788 | — | $788 | 2.56% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON WITHERS | 1206 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $474 | $67 | $541 | 1.76% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $454 | $11 | $465 | 1.51% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $408 | $13 | $421 | 1.37% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON | 1206 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $149 | — | $149 | 0.48% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $114 | $13 | $127 | 0.41% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $99 | — | $99 | 0.32% |
| MARIE L FELLOWS3 | 1180 KENNEDY PKWY APT 208 CORALVILLE, IA 52241 | AFLAC | $78 | — | $78 | 0.25% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $74 | — | $74 | 0.24% |
| CORY L CAMPBELL3 | 13139 FERRIS CT SAINT PAUL, MN 55124 | AFLAC | $37 | — | $37 | 0.12% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $37 | — | $37 | 0.12% |
| COLLEEN K KEISER3 | 5000 S NEVADA AVE APT 116 SIOUX FALLS, SD 57108 | AFLAC | $27 | — | $27 | 0.09% |
| CHARLES L PRICE3 | 915 E DONEGAL ST O NEILL, NE 68763 | AFLAC | $20 | — | $20 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | AFLAC | $19 | — | $19 | 0.06% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $18 | — | $18 | 0.06% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DR SUN CITY WEST, AZ 85375 | AFLAC | $16 | — | $16 | 0.05% |
| TAMARA WILLIAMS3 | 6610 NASSER LANE PORT ORANGE, FL 32128 | AFLAC | $15 | — | $15 | 0.05% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $14 | — | $14 | 0.05% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIR BROOKINGS, SD 57006 | AFLAC | $13 | — | $13 | 0.04% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $12 | — | $12 | 0.04% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $9 | — | $9 | 0.03% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $8 | — | $8 | 0.03% |
| THEORDORE W HONKE3 | 29478 US HWY 281 LAKE ANDES, SD 57356 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.02% |
| STACEY NICOLE JENSEN3 | PO BOX 180 ARLINGTON, SD 57212 | AFLAC | $6 | — | $6 | 0.02% |
| CHRISTIE L WOOKEY3 | 440 N LAKE DR WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.02% |
| NICOLE MEESTER3 | 1002 N CAROL ST LUVERNE, MN 56156 | AFLAC | $5 | — | $5 | 0.02% |
| MELISSA K LEFERS3 | PO BOX 29 LENNOX, SD 57039 | AFLAC | $4 | — | $4 | 0.01% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $4 | — | $4 | 0.01% |
| REBECCA ANNE PALMER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $2 | — | $2 | 0.01% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT & MCDOWELL INSURANCE | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $110 | $110 | 0.61% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 182 | $2.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 549 | $262K |
| Vision | VISION SERVICE PLAN | 193 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $34K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.