| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DRIVE CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $34K | $6K | $39K | 17.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF IOWA | $6K | $1K | $7K | 4.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $0 | $126 | $126 | 0.09% |
| MICHAEL DONLEY3 | 6300 S MAPLE ROCK TRL SIOUX FALLS, SD 57108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.93% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $461 | $221 | $682 | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE ROAD SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $481 | $61 | $542 | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $492 | $4 | $496 | 1.47% |
| ROBERT E ELLIS3 | 11261 WRIGHT CIR OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $3 | $227 | 0.67% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 N 172ND AVE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.22% |
| JON W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $6 | $36 | 0.11% |
| JON SCOTT SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.07% |
| GARY L HOLTROP3 | PO BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DEAN W FORNOFF3 | 16041 BUFFALO RD SPRINGFIELD, NE 68059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | 300 NORTH CHERAPA PLACE PO BOX 5113 SIOUX FALLS, SD 57117 | VERATRUS BENEFIT SOLUTIONS, INC | $3K | $0 | $3K | 9.14% |
| PHILIP HICKMAN3 | 3633 JONES ST SIOUX CITY, IA 51104 | AFLAC | $183 | $0 | $183 | 3.64% |
| THOMAS L STENGRIM3 Filed as: THOMAS STENGRIM | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $113 | $0 | $113 | 2.24% |
| ALLISON BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $58 | $0 | $58 | 1.15% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $34 | $0 | $34 | 0.68% |
| DARLENE MCGRAW3 | 2130 MACKINTOSH CT MANHATTAN, KS 66503 | AFLAC | $29 | $0 | $29 | 0.58% |
| JAMES MCDONALD3 Filed as: JAMES MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $24 | $0 | $24 | 0.48% |
| MICHAEL J WELTER3 Filed as: MICHAEL WELTER | 603 DOUGLAS AVE YANKTON, SD 57078 | AFLAC | $17 | $0 | $17 | 0.34% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $12 | $0 | $12 | 0.24% |
| CRAIG S STADTFELD3 Filed as: CRAIG STADTFELD | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $11 | $0 | $11 | 0.22% |
| JOSEPH WESLEY WILLINGHAM3 Filed as: JOSEPH WILLINGHAM | 1502 N METCALF RD LOUISBURG, KS 66053 | AFLAC | $3 | $0 | $3 | 0.06% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $2 | $0 | $2 | 0.04% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $1 | $0 | $1 | 0.02% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | $0 | $1 | 0.02% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | $0 | $1 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $797 | $797 | — |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 140 | $140K |
| Vision | VERATRUS BENEFIT SOLUTIONS, INC | 138 | $28K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 244 | $224K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 244 | $224K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 244 | $224K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.