| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI CLAUSEN8 | 150 E 4TH PI STE 306 SIOUX FALLS, SD 57104 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.45% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.74% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.12% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $354 | $354 | 0.33% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | — | $2K | 3.43% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 94 | $1.6M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 286 | $177K |
| Vision | VISION SERVICE PLAN | 106 | $58K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $107K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 94 | $1.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.