| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-1459204 NONE | Claims processing Service code 12 | — | $304K |
| MILLIMAN NONE | Actuarial Service code 11 | 1301 FIFTH AVENUE, SUITE 3800 SEATTLE, WA 98101 | $34K |
| UTZ & LATTAN, LLC NONE | Legal Service code 29 | 7285 WEST 132ND ST., SUITE 320 OVERLAND PARK, KS 66213 | $34K |
| MERRILL LYNCH EIN 13-3180817 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management Service code 15 | — | $34K |
| DELTA DENTAL EIN 42-0959302 NONE | Claims processing Service code 12 | — | $17K |
| LWBJ, LLP EIN 42-1462849 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| MIMEO.COM NONE | Copying and duplicating Service code 36 | P.O. BOX 673866 DETROIT, MI 48267 | $10K |
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 | 2,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 9 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 943 | $9.0M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 943 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.