| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MAKA - WILLIAMS INS AGENCY INC3 Filed as: LISA MAKA- WILLIAMS INS AGENCY INC | PO BOX 1507 SIOUX FALLS, SD 57101 | AVERA HEALTH PLANS, INC | $30K | — | $30K | 2.73% |
| 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 | 1.83% |
| 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 | $325 | — | $325 | 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 | $2K | — | $2K | 18.98% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 787168716 | LEADERS LIFE INSURANCE COMPANY | $564 | — | $564 | 6.82% |
| BROKER CENTRIC ALLIANCE3 Filed as: BROKER CENTRIC ALLIANCE, INC. | 1350 S. BOULDER AVE. SUITE 900 TULSA, OK 74119 | LEADERS LIFE INSURANCE COMPANY | $131 | — | $131 | 1.58% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | LEADERS LIFE INSURANCE COMPANY | $691 | — | $691 | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $147 | — | $147 | 2.13% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 22.52% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $314 | — | $314 | 6.28% |
| WILLIAMS INSURANCE AGENCY3 Filed as: WILLIAMS INSURANCE CO | 6300 S OLD VILLAGE PL, SUITE 200 SIOUX FALLS, SD 571082103 | HUMANA INSURANCE COMPANY | $761 | — | $761 | 28.12% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $199 | — | $199 | 7.35% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC | 345 | $1.1M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 258 | $95K |
| Vision | AMERITAS LIFE INSURANCE CORP | 202 | $16K |
| Life insurance(3 contracts) | LEADERS LIFE INSURANCE COMPANY | 338 | $31K |
| Short-term disability | LEADERS LIFE INSURANCE COMPANY | 26 | $8K |
| Prescription drug | AVERA HEALTH PLANS, INC | 345 | $1.1M |
| Other(2 contracts) | HUMANA INSURANCE COMPANY | 35 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.