| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ALTERNATIVE5 | PO BOX 89846 SIOUX FALLS, SD 57109 | SANFORD HEALTH PLAN | $20K | — | $20K | 1.58% |
| CHRISTY WESTERMAN3 | MARSH MCLENNAN AGENCY LLC 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.90% |
| 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 | $8K | — | $8K | 16.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY LLC | 300 CHERAPA PL STE 401 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| JADE COMPANIES LLC3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $897 | $58 | $955 | 6.23% |
| JADE COMPANIES LLC3 Filed as: JADE N NELSON WITHERS | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $315 | $64 | $379 | 2.47% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $257 | $23 | $280 | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | AFLAC | $235 | — | $235 | 1.53% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIR BROOKINGS, SD 57006 | AFLAC | $82 | $17 | $99 | 0.65% |
| MELODY B THOMPSON3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $70 | — | $70 | 0.46% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $65 | — | $65 | 0.42% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $31 | — | $31 | 0.20% |
| TAMARA WILLIAMS3 | 5409 CANNA CT PORT ORANGE, FL 32128 | AFLAC | $29 | — | $29 | 0.19% |
| COLLEEN K KEISER3 | 5000 S NEVADA AVE APT 116 SIOUX FALLS, SD 57108 | AFLAC | $27 | — | $27 | 0.18% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $26 | — | $26 | 0.17% |
| CHARLES L PRICE3 | 915 E DONEGAL ST O NEILL, NE 68763 | AFLAC | $20 | — | $20 | 0.13% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.08% |
| SARA KNEIP3 | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC | $9 | — | $9 | 0.06% |
| MELISSA K LEFERS3 | 217 N CHERRY ST LENNOX, SD 57039 | AFLAC | $8 | — | $8 | 0.05% |
| STACEY NICOLE JENSEN3 | PO BOX 180 ARLINGTON, SD 57212 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.04% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $4 | — | $4 | 0.03% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $4 | — | $4 | 0.03% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $830 | — | $830 | 10.00% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 212 | $1.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 389 | $182K |
| Vision | VISION SERVICE PLAN | 141 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $71K |
| Short-term disability | AFLAC | 19 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $22K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.