| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMA INS AGENCY INC3 | 330 N WABASH AVE, SUITE 39300 CHICAGO, IL 60611 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 25.00% |
| PROFESSIONAL BNFT CONSULTANTS3 | 7525 SE 24TH ST, SUITE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 23.38% |
| SELECT NETWORKS3 | 317 6TH AVE, SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.72% |
| W K MCGREEVY AGENCY INC3 Filed as: MCGREEVY & ASSOCIATES | 4808 SOUTH TECHNOPOLIS DRIVE SIOUX FALLS, SD 57106 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.75% |
| AMA INS AGENCY INC3 | 330 N WABASH AVE, SUITE 39300 CHICAGO, IL 60611 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 19.99% |
| PROFESSIONAL BNFT CONSULTANTS3 | 7525 SE 24TH ST, SUITE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $1K | $710 | $2K | 18.33% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 109 | $1.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 191 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 210 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 457 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 457 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.