| 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 | 1.30% |
| 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 | $7K | — | $7K | 10.79% |
| 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 | 15.00% |
| JADE COMPANIES LLC3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $2K | $10 | $2K | 7.83% |
| JADE COMPANIES LLC3 Filed as: JADE N NELSON WITHERS | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $2K | — | $2K | 5.65% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $424 | — | $424 | 1.57% |
| MELODY B THOMPSON3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $258 | — | $258 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 57117 | AFLAC | $220 | — | $220 | 0.82% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $184 | $7 | $191 | 0.71% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIR BROOKINGS, SD 57006 | AFLAC | $49 | — | $49 | 0.18% |
| NICOLE MEESTER3 | 1002 N CAROL ST LUVERNE, MN 56156 | AFLAC | $15 | $28 | $43 | 0.16% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $36 | — | $36 | 0.13% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $29 | — | $29 | 0.11% |
| COLLEEN K KEISER3 | 5000 S NEVADA AVE APT 116 SIOUX FALLS, SD 57108 | AFLAC | $27 | — | $27 | 0.10% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $26 | — | $26 | 0.10% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $23 | — | $23 | 0.09% |
| CHARLES L PRICE3 | 915 E DONEGAL ST O NEILL, NE 68763 | AFLAC | $20 | — | $20 | 0.07% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $18 | — | $18 | 0.07% |
| MARIE L FELLOWS3 | 1180 KENNEDY PKWY APT 208 CORALVILLE, IA 52241 | AFLAC | $13 | — | $13 | 0.05% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $10 | — | $10 | 0.04% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $10 | — | $10 | 0.04% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $9 | — | $9 | 0.03% |
| MELISSA K LEFERS3 | PO BOX 29 LENNOX, SD 57039 | AFLAC | $8 | — | $8 | 0.03% |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $7 | — | $7 | 0.03% |
| STACEY NICOLE JENSEN3 | PO BOX 180 ARLINGTON, SD 57212 | AFLAC | $6 | — | $6 | 0.02% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.02% |
| CORY L CAMPBELL3 | 13139 FERRIS CT SAINT PAUL, MN 55124 | AFLAC | $6 | — | $6 | 0.02% |
| AARON C EVERLY3 | 1123 WILKES BLVD STE 330 COLUMBIA, MO 65201 | AFLAC | $6 | — | $6 | 0.02% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $5 | — | $5 | 0.02% |
| 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% |
| CHRISTIE L WOOKEY3 | 440 N LAKE DR WATERTOWN, SD 57201 | AFLAC | $4 | — | $4 | 0.01% |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $3 | — | $3 | 0.01% |
| ERIN EVANS3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.01% |
| DON ARMSTRONG3 | 12834 W CASTLEBER DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $3 | — | $3 | 0.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $1 | — | $1 | 0.00% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 5.26% |
| 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 | $2K | — | $2K | 10.83% |
| 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 | $929 | — | $929 | 10.77% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 162 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 460 | $209K |
| Vision | VISION SERVICE PLAN | 180 | $22K |
| Life insurance | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $66K |
| Short-term disability | AFLAC | 28 | $27K |
| Long-term disability | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $21K |
| Other(3 contracts, 2 carriers) | NEW YORK LIFE - LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.