| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $233 | — | $233 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $193 | — | $193 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $183 | — | $183 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $134 | — | $134 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.22% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE S, SUITE 710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $828 | — | $828 | 4.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $231 | — | $231 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $24 | — | $24 | 0.13% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 NORTH CHERAPA PLACE, 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $274 | — | $274 | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $84 | — | $84 | 0.73% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 105 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 93 | $63K |
| Vision | STANDARD INSURANCE COMPANY | 72 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 141 | $25K |
| Short-term disability | STANDARD INSURANCE COMPANY | 69 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 141 | $18K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 105 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.