| 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 | — | $25K | $25K | 2.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.52% |
| WARREN GRABER3 | 5032 S BUR OAK PL #230 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | — | $2K | $2K | 1.77% |
| BRADLEY D CARLSON3 | P O BOX 670 PARKER, SD 57053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.97% |
| NY LIFE SECURITIES LLC3 | 51 MADISON AVENUE RM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $215 | $215 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE STE 601 SIOUX FALLS, SD 57103 | GUARDIAN LIFE INSSURANCE COMPANY OF AMERICA | — | $2K | $2K | 13.00% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 104 | $1.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 127 | $103K |
| Vision | VISION SERVICE PLAN | 85 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $29K |
| Long-term disability | GUARDIAN LIFE INSSURANCE COMPANY OF AMERICA | 49 | $17K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 105 | $448K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.