| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ALTERNATIVE | PO BOX 89846 SIOUX FALLS, SD 57109 | SANFORD HEALTH PLAN | $21K | — | $21K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | P O BOX 5113 SIOUX FALLS, SD 57117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 11.73% |
| 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 | $6K | $11 | $6K | 14.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $345 | $2K | 11.69% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGY LLC | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $972 | — | $972 | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | $132 | $856 | 11.82% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 202 | $1.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 362 | $166K |
| Vision | VISION SERVICE PLAN | 128 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $66K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $20K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.