| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ALTERNATIVE5 | PO BOX 89846 SIOUX FALLS, SD 57109 | SANFORD HEALTH PLAN | $22K | — | $22K | 1.51% |
| CHRISTY WESTERMAN3 | MARSH MCLENNAN AGENCY LLC 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.51% |
| 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 | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| 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 | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY LLC | 300 CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| JADE COMPANIES LLC3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $774 | $22 | $796 | 4.95% |
| JADE COMPANIES LLC3 Filed as: JADE N NELSON WITHERS | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $258 | — | $258 | 1.61% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $177 | $4 | $181 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | AFLAC | $105 | — | $105 | 0.65% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $101 | — | $101 | 0.63% |
| MELODY B THOMPSON3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $64 | — | $64 | 0.40% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIR BROOKINGS, SD 57006 | AFLAC | $48 | — | $48 | 0.30% |
| COLLEEN K KEISER3 | 5000 S NEVADA AVE APT 116 SIOUX FALLS, SD 57108 | AFLAC | $25 | — | $25 | 0.16% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $24 | — | $24 | 0.15% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $24 | — | $24 | 0.15% |
| CHARLES L PRICE3 | 915 E DONEGAL ST O NEILL, NE 68763 | AFLAC | $18 | — | $18 | 0.11% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $17 | — | $17 | 0.11% |
| NICOLE MEESTER3 | 1002 N CAROL ST LUVERNE, MN 56156 | AFLAC | $17 | — | $17 | 0.11% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $10 | — | $10 | 0.06% |
| TAMARA WILLIAMS3 | 5409 CANNA CT PORT ORANGE, FL 32128 | AFLAC | $10 | — | $10 | 0.06% |
| SARA KNEIP3 | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC | $8 | — | $8 | 0.05% |
| MELISSA K LEFERS3 | 217 N CHERRY ST LENNOX, SD 57039 | AFLAC | $7 | — | $7 | 0.04% |
| STACEY NICOLE JENSEN3 | PO BOX 180 ARLINGTON, SD 57212 | AFLAC | $6 | — | $6 | 0.04% |
| ERIN EVANS3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.04% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.03% |
| NANCY R VANDENBERGE3 | 7565 S GRAND ARBOR PL SIOUX FALLS, SD 57108 | AFLAC | $5 | — | $5 | 0.03% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $4 | — | $4 | 0.02% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $4 | — | $4 | 0.02% |
| 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 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $674 | — | $674 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | $519 | — | $519 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | — | $397 | 15.68% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 228 | $1.4M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 402 | $185K |
| Vision | VISION SERVICE PLAN | 154 | $20K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $62K |
| Short-term disability | AFLAC | 23 | $16K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $21K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.