| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DICE FINANCIAL SERVICES3 Filed as: DICE FINANCIAL SERVICES GROUP, INC. | PO BOX 790 MITCHELL, SD 57301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | $0 | $53K | 15.90% |
| MICHAEL LEBRUN3 | PO BOX 790 MITCHELL, SD 57301 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.21% |
| DICE FINANCIAL SERVICES3 Filed as: DICE FINANCIAL SERVICES GROUP, INC. | PO BOX 790 MITCHELL, SD 57301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.89% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $267 | — | $267 | 0.47% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA INC. | 338 | $4.4M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 609 | $260K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 493 | $56K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $333K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $333K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $333K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.