| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: JACK ABEL - THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS ESSENTIAL BENEFITS) | $4K | $0 | $4K | 10.00% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS ESSENTIAL BENEFITS) | $157 | $0 | $157 | 0.41% |
| JACK W ABEL3 Filed as: JACK W. ABEL | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $460 | $4K | 18.66% |
| JACK W ABEL3 Filed as: JACK W. ABEL | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $983 | $197 | $1K | 13.15% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 320 | $2.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 542 | $198K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (AVESIS ESSENTIAL BENEFITS) | 459 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.