| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 300 SOUTH CLIFF AVENUE SUITE 108 SIOUX FALLS, SD 57101 | SANFORD HEALTH PLAN | $18K | — | $18K | 1.70% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 SOUTH MACARTHUR LANE SUITE 103 SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 11.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 19.63% |
| MIDWESTERN EMPLOYEE BENEFITS INC3 | 5000 SOUTH MACARTHUR LANE SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 91447 SIOUX FALLS, SD 57109 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.06% |
| MIDWESTERN EMPLOYEE BENEFITS INC3 | 5000 SOUTH MACARTHUR LANE SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 17.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC LLC | P.O. BOX 91447 SIOUX FALLS, SD 57109 | UNION SECURITY INSURANCE COMPANY | $40 | — | $40 | 0.25% |
| MIDWESTERN EMPLOYEE BENEFITS INC3 | 5000 SOUTH MACARTHUR LANE SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 91447 SIOUX FALLS, SD 57109 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 7.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $532 | $2K | 13.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $525 | $2K | 21.93% |
| MIDWESTERN EMPLOYEE BENEFITS INC3 Filed as: MIDWESTERN EMPLOYEE BENEFITS INC. | 5000 SOUTH MACARTHUR LANE SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $687 | — | $687 | 8.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 91447 SIOUX FALLS, SD 57109 | UNION SECURITY INSURANCE COMPANY | $668 | — | $668 | 8.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | AMERITAS LIFE INSURANCE CORP. | $358 | — | $358 | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 91447 SIOUX FALLS, SD 57109 | UNION SECURITY INSURANCE COMPANY | $135 | — | $135 | 8.70% |
| MIDWESTERN EMPLOYEE BENEFITS INC3 | 5000 SOUTH MACARTHUR LANE SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $123 | — | $123 | 7.93% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 274 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 210 | $61K |
| Vision(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 210 | $53K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 292 | $73K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 47 | $22K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 292 | $73K |
| Other(7 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 292 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.