| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | — | $27K | $27K | 21.26% |
| WARREN GRABER3 | 5032 S BUR OAK PL #230 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | — | $2K | $2K | 1.84% |
| BRADLEY D CARLSON3 | P O BOX 670 PARKER, SD 57053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.03% |
| NY LIFE SECURITIES LLC3 | 51 MADISON AVENUE RM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $225 | $225 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | GUARDIAN LIFE INSSURANCE COMPANY OF AMERICA | $3K | $385 | $3K | 14.98% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 112 | $126K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 274 | $105K |
| Vision | VISION SERVICE PLAN | 81 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $30K |
| Long-term disability | GUARDIAN LIFE INSSURANCE COMPANY OF AMERICA | 52 | $19K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $419K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.