| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BNFT CONSULTANTS3 | 412 WATER STREET SIOUX CITY, IA 51103 | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | $46K | $0 | $46K | 2.18% |
| INNOVATIVE BNFT CONSULTANTS3 | 412 WATER STREET SIOUX CITY, IA 51103 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.39% |
| INNOVATIVE BNFT CONSULTANTS3 | 412 WATER STREET SIOUX CITY, IA 51103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| INNOVATIVE BNFT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.87% |
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 5.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | P.O. BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 3.06% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $431 | $84 | $515 | 1.30% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $340 | $97 | $437 | 1.10% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.17% |
| GARY L HOLTROP3 | P.O. BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.13% |
| SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INNOVATIVE BNFT CONSULTANTS3 | 1119 4TH STREET, STE 109 SIOUX CITY, IA 51101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.03% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
| INNOVATIVE BNFT CONSULTANTS3 | 412 WATER STREET SIOUX CITY, IA 51103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $408 | $0 | $408 | 8.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIOUXLAND SURGERY CENTER LTD | Direct payment from the plan Service code 50 | 600 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $171K |
| MERCY MEDICAL CENTER SIOUX CITY | Direct payment from the plan Service code 50 | 801 5TH ST PO BOX 3168 SIOUX CITY, IA 51104 | $99K |
| CVS CAREMARK 02921 | Direct payment from the plan Service code 50 | 105 MALL BLVD MONROEVILLE, PA 15146 | $87K |
| DUNES FAMILY PHARMACY | Direct payment from the plan Service code 50 | 101 TOWER RD STE 130 DAKOTA DUNES, SD 57049 | $86K |
| CVS CAREMARK | Direct payment from the plan Service code 50 | 11162 RENNER RD LENEXA, KS 66219 | $68K |
| CAREMARK INC | Direct payment from the plan Service code 50 | 800 BIERMANN CT, STE B MOUNT PROSPECT, IL 60056 | $46K |
| GREGORY D NADEN MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $45K |
| ST LUKES REGIONAL MEDICAL CENTER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $45K |
| UNIVERSITY OF IOWA HOSPITALS | Direct payment from the plan Service code 50 | 200 HAWKINS DR IOWA CITY, IA 52242 | $42K |
| TETON VALLEY HEALTH CARE INC | Direct payment from the plan Service code 50 | 120 E HOWARD ST DRIGGS, ID 83422 | $37K |
| SANTIAGO F MOSCOSO MARTI MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $36K |
| NASSER G ABU ERREISH MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $27K |
| SHOPKO PHARMACY | Direct payment from the plan Service code 50 | 3025 HAMILTON BLVD SIOUX CITY, IA 51104 | $26K |
| STEPHEN P KAHANIC MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $26K |
| JON M GRUDEM MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $20K |
| WALMART PHARMACY 101332 | Direct payment from the plan Service code 50 | 1601 CORNHUSKERS DR S SIOUX CITY, NE 68776 | $19K |
| ELIZABETH M AUGUSTINE HARTMAN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $18K |
| LEWIS FAMILY DRUG 37 | Direct payment from the plan Service code 50 | 107 E MAIN ST ELK POINT, SD 57025 | $16K |
| SANFORD USD MEDICAL CENTER | Direct payment from the plan Service code 50 | 1305 W 18TH ST SIOUX FALLS, SD 57105 | $14K |
| STEVEN J FERGUSON OD | Direct payment from the plan Service code 50 | 305 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 | $14K |
| ADNAN A QALBANI MD | Direct payment from the plan Service code 50 | 330 DAKOTA DUNES BLVD 200 DAKOTA DUNES, SD 57049 | $13K |
| JACKSON RECOVERY CENTERS INC | Direct payment from the plan Service code 50 | 800 5TH ST STE 200 SIOUX CITY, IA 51101 | $13K |
| RYAN C MEIS MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $13K |
| THOMAS J KENNY IV MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $12K |
| LEEDS PHARMACY INC | Direct payment from the plan Service code 50 | 2729 OUTER DRIVE SIOUX CITY, IA 51104 | $12K |
| CAREMARK PRESCRIPTION SERVICES | Direct payment from the plan Service code 50 | 1780 WALL ST MT. PROSPECT, IL 60056 | $12K |
| BENJAMIN T BISSELL MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $12K |
| FAMILY HEALTH CARE OF SIOUXLAND | Direct payment from the plan Service code 50 | 814 PIERCE ST STE 300 SIOUX CITY, IA 51101 | $12K |
| WADE K JENSEN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $11K |
| WALGREENS 15647 | Direct payment from the plan Service code 50 | 1900 HAMILTON BLVD SIOUX CITY, IA 51104 | $11K |
| MICHAEL M NGUYEN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $11K |
| ANN E REHAN MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $11K |
| MARK W NIELSEN MD | Direct payment from the plan Service code 50 | 4630 SINGING HILLS BLVD A SIOUX CITY, IA 51106 | $11K |
| QUENTIN J DURWARD MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $10K |
| TAUHNI T HUNT MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $10K |
| SHARI L BLACK CNP | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $9K |
| HY VEE PHARMACY 1610 | Direct payment from the plan Service code 50 | 313 COOK ST SIOUX CITY, IA 51103 | $8K |
| AMANDA R DANNENBRING DO | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $7K |
| HY VEE PHARMACY 1614 | Direct payment from the plan Service code 50 | 4500 SERGEANT RD SIOUX CITY, IA 51106 | $7K |
| BROOKINGS HEALTH SYSTEM | Direct payment from the plan Service code 50 | 300 22ND AVE BROOKINGS, SD 57006 | $7K |
| MERCY MEDICAL SERVICES | Direct payment from the plan Service code 50 | PO BOX 328 SIOUX CITY, IA 51102 | $7K |
| ANGELA J ALDRICH MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $7K |
| PIERCE STREET SAME DAY SURGERY LC | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 100 SIOUX CITY, IA 51104 | $7K |
| DUNES MEDICAL LABORATORIES | Direct payment from the plan Service code 50 | 350 W ANCHOR DR DAKOTA DUNES, SD 57049 | $7K |
| MIAMI INTERNATIONAL MEDICAL C | Direct payment from the plan Service code 50 | PO BOX 258861 OKLAHOMA CITY, OK 73125 | $7K |
| EMERSON HOSPITAL | Direct payment from the plan Service code 50 | 133 ORNAC RD CONCORD, MA 01742 | $7K |
| AMY J PAYNE PA | Direct payment from the plan Service code 50 | 4545 SERGEANT RD SIOUX CITY, IA 51106 | $6K |
| DOUGLAS J BLOCK PA EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $6K |
| CROSSTOWN SURGERY CENTER | Direct payment from the plan Service code 50 | 4010 W 65TH ST EDINA, MN 55435 | $6K |
| LISA A REMER GILLETT MD | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $6K |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 179 | $2.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 498 | $204K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 313 | $28K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $89K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $84K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $95K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 179 | $2.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.