| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $20K | — | $20K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $2K | — | $2K | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 5.42% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $184 | $184 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $151 | — | $151 | 0.27% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $249 | — | $249 | 1.08% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $199 | $199 | 0.87% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DR # 215 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 53.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $3K | $290 | $3K | 14.68% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $39 | $39 | 0.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 12.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $242 | — | $242 | 1.11% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $142 | $142 | 0.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | $928 | $3K | 17.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $369 | — | $369 | 2.17% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $116 | $116 | 0.68% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARA INSURANCE COMPANY | $274 | $543 | $817 | 8.08% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARA INSURANCE COMPANY | — | $68 | $68 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 N CHERAPA PLACE FLOOR 6 SIOUX FALLS, SD 57103 | STANDARA INSURANCE COMPANY | $27 | — | $27 | 0.27% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 113 | $992K |
| Dental | STANDARD INSURANCE COMPANY | 98 | $56K |
| Vision | STANDARA INSURANCE COMPANY | 80 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 163 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 79 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $17K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 113 | $992K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.