| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MAKA - WILLIAMS INS AGENCY INC3 | 6300 S OLD VILLAGE PL 200, BOX 1507 SIOUX FALLS, SD 57101 | AVERA HEALTH PLANS, INC | $29K | — | $29K | 2.74% |
| LISA MAKA - WILLIAMS INS AGENCY INC3 | 6300 S OLD VILLAGE PL 200, BOX 1507 SIOUX FALLS, SD 57101 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.89% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 9.98% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $288 | — | $288 | 1.99% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $943 | — | $943 | 10.93% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 787168716 | LEADERS LIFE INSURANCE COMPANY | $167 | — | $167 | 1.94% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $713 | — | $713 | 10.06% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $151 | — | $151 | 2.13% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $571 | — | $571 | 15.54% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $226 | — | $226 | 6.15% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $409 | — | $409 | 18.81% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $156 | — | $156 | 7.18% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC | 347 | $1.1M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 244 | $90K |
| Vision | AMERITAS LIFE INSURANCE CORP | 157 | $16K |
| Life insurance(3 contracts) | LEADERS LIFE INSURANCE COMPANY | 233 | $30K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 43 | $9K |
| Prescription drug | AVERA HEALTH PLANS, INC | 347 | $1.1M |
| Other(2 contracts) | HUMANA INSURANCE COMPANY | 29 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.