| 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 | $34K | $0 | $34K | 1.74% |
| SETH MAJOR3 | 4280 SERGEANT RD STE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.05% |
| STUART LEE3 | 412 WATER STREET SIOUX CITY, IA 51103 | DELTA DENTAL OF SOUTH DAKOTA | $707 | — | $707 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4200 CORPORATE DR, STE 160 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.09% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BUSINESS CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.14% |
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $149 | $3K | 6.41% |
| 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 | $26 | $1K | 3.61% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $124 | $608 | 1.49% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $430 | $146 | $576 | 1.42% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.15% |
| GARY L HOLTROP3 | P.O. BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.11% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4280 SERGEANT RD STE 200 SIOUX CITY, IA 51106 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| INNOVATIVE BNFT CONSULTANTS3 | 1119 4TH STREET, STE 109 SIOUX CITY, IA 51101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $719 | — | $719 | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 4200 CORPORATE DR, STE 160 WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 5.74% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BUSINESS CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37 | $37 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ST LUKES REGIONAL MEDICAL CENTER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $120K |
| CAREMARK SPECIALTY P | Direct payment from the plan Service code 50 | 11162 RENNER RD LENEXA, KS 66219 | $96K |
| SIOUXLAND SURGERY CENTER LTD | Direct payment from the plan Service code 50 | 600 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $95K |
| MERCY MEDICAL CENTER SIOUX CITY | Direct payment from the plan Service code 50 | 801 5TH ST PO BOX 3168 SIOUX CITY, IA 51104 | $71K |
| DUNES FAMILY PHARMACY | Direct payment from the plan Service code 50 | 101 TOWER RD STE 130 DAKOTA DUNES, SD 57049 | $58K |
| SHOPKO PHARMACY | Direct payment from the plan Service code 50 | 3025 HAMILTON BLVD SIOUX CITY, IA 51104 | $28K |
| JON M GRUDEM MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $20K |
| CAREMARK PRESCRIPTION SERVICES | Direct payment from the plan Service code 50 | 1780 WALL ST MT. PROSPECT, IL 60056 | $17K |
| ELIZABETH M AUGUSTINE HARTMAN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD 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 |
| WALGREENS 15647 | Direct payment from the plan Service code 50 | 1900 HAMILTON BLVD SIOUX CITY, IA 51104 | $11K |
| ANN E REHAN MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $10K |
| TAUHNI T HUNT MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $9K |
| WALMART PHARMACY 101332 | Direct payment from the plan Service code 50 | 1601 CORNHUSKERS DR S SIOUX CITY, NE 68776 | $9K |
| LEEDS PHARMACY INC | Direct payment from the plan Service code 50 | 2729 OUTER DRIVE SIOUX CITY, IA 51104 | $9K |
| SHARI L BLACK CNP | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $9K |
| DOUGLAS J BLOCK PA EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $8K |
| AMANDA R DANNENBRING DO | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $8K |
| STEVEN J FERGUSON OD | Direct payment from the plan Service code 50 | 305 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 | $8K |
| RYAN C MEIS MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $7K |
| HY VEE PHARMACY 1610 | Direct payment from the plan Service code 50 | 313 COOK ST SIOUX CITY, IA 51103 | $7K |
| FAMILY HEALTH CARE OF SIOUXLAND | Direct payment from the plan Service code 50 | 814 PIERCE ST STE 300 SIOUX CITY, IA 51101 | $7K |
| LISA A REMER GILLETT MD | 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 |
| MICHAEL M NGUYEN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $7K |
| MERCY MEDICAL SERVICES | Direct payment from the plan Service code 50 | PO BOX 328 SIOUX CITY, IA 51102 | $6K |
| ANGELA J ALDRICH MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $5K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | 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 | 166 | $2.0M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 459 | $195K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 299 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $147K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $144K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $107K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 166 | $2.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.