| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SETH MAJOR3 | 4280 SERGEANT RD STE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.39% |
| 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 | $7K | — | $7K | 6.05% |
| 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 | 1.15% |
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | P.O. BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 3.54% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $515 | $80 | $595 | 1.43% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $44 | $344 | 0.83% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $83 | $213 | 0.51% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.14% |
| GARY L HOLTROP3 | P.O. BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.11% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | P.O. BOX 718 SIOUX CITY, IA 51102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.02% |
| 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 | $2K | — | $2K | 15.00% |
| 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 | — | $185 | $185 | 1.25% |
| 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 | $24 | — | $24 | 15.38% |
| 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 | — | $2 | $2 | 1.28% |
| 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 | $248K |
| SIOUXLAND SURGERY CENTER LTD | Direct payment from the plan Service code 50 | 600 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $197K |
| CAREMARK SPECIALTY P | Direct payment from the plan Service code 50 | 11162 RENNER RD LENEXA, KS 66219 | $96K |
| CVS SPECIALTY 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 | $77K |
| HYVEE PHARMACY SOLUTIONS | Direct payment from the plan Service code 50 | 10004 S 152ND ST OMAHA, NE 68138 | $69K |
| CARE PLUS CVS/PHARM | Direct payment from the plan Service code 50 | 2101 N URSULA ST UNIT 35 AURORA, CO 80045 | $50K |
| MERCY MEDICAL CENTER SIOUX CITY | Direct payment from the plan Service code 50 | 801 5TH ST PO BOX 3168 SIOUX CITY, IA 51104 | $45K |
| HY VEE PHARMACY 1610 | Direct payment from the plan Service code 50 | 2827 HAMILTON BLVD SIOUX CITY, IA 51104 | $37K |
| WALMART PHARMACY 10 | Direct payment from the plan Service code 50 | 3101 FLOYD BLVD SIOUX CITY, IA 51108 | $27K |
| KEYSTONE TREATMENT CENTER | Direct payment from the plan Service code 50 | 1010 E 2ND ST CANTON, SD 57013 | $25K |
| JON M GRUDEM MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $23K |
| ELIZABETH M AUGUSTINE HARTMAN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $22K |
| BRYAN MEDICAL CENTER | Direct payment from the plan Service code 50 | PO BOX 82557 LINCOLN, NE 68501 | $21K |
| WILLIAM BEAUMONT HOSPITAL | Direct payment from the plan Service code 50 | PO BOX 5042 TROY, MI 48007 | $18K |
| ANGELA J ALDRICH MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $18K |
| ANN E REHAN MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $16K |
| INDERJIT S CHABRA MD | Direct payment from the plan Service code 50 | 801 5TH ST SIOUX CITY, IA 51105 | $16K |
| WALMART PHARMACY 101332 | Direct payment from the plan Service code 50 | 1601 CORNHUSKERS DR S SIOUX CITY, NE 68776 | $15K |
| ADNAN A QALBANI MD | Direct payment from the plan Service code 50 | 330 DAKOTA DUNES BLVD 200 DAKOTA DUNES, SD 57049 | $14K |
| WADE K JENSEN MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $14K |
| TAUHNI T HUNT MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $14K |
| DIABETES SUPPLY CENTER | Direct payment from the plan Service code 50 | 2910 S 84TH ST OMAHA, NE 68124 | $13K |
| QUENTIN J DURWARD MD EMPLOYER | Direct payment from the plan Service code 50 | 575 N 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 | $10K |
| CAREMARK PRESCRIPTION SERVICES | Direct payment from the plan Service code 50 | 1780 WALL ST MT. PROSPECT, IL 60056 | $10K |
| MICHAEL M NGUYEN MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $10K |
| DANIEL R NELSON MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $9K |
| AMANDA R DANNENBRING DO | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $9K |
| HY VEE PHARMACY 1614 | Direct payment from the plan Service code 50 | 4500 SERGEANT RD SIOUX CITY, IA 51106 | $9K |
| NEBRASKA MEDICINE | Direct payment from the plan Service code 50 | 987400 NEBRASKA MEDICAL CENTER OMAHA, NE 68198 | $9K |
| PIERCE STREET SAME DAY SURGERY | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 100 SIOUX CITY, IA 51104 | $8K |
| AVERA MCKENNAN BEHAVIORAL HEALTH | Direct payment from the plan Service code 50 | 1325 S CLIFF AVE SIOUX FALLS, SD 57105 | $7K |
| CAREMARK SPECIALTY 4 | Direct payment from the plan Service code 50 | 800 BIERMANN CT STE B MOUNT PROSPECT, IL 60056 | $7K |
| RYAN C MEIS MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $7K |
| DOUGLAS J BLOCK PA EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $7K |
| RAUL C BANAGALE MD | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $6K |
| ERIC R MONK MD | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $6K |
| AMIR A ANDRAWIS MD | Direct payment from the plan Service code 50 | 4545 SERGEANT RD SIOUX CITY, IA 51106 | $6K |
| MATTHEW R JOHNSON MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $6K |
| JILL M SCHOENHERR ARNP | Direct payment from the plan Service code 50 | ST LUKES SC NEONATAL SIOUX CITY, IA 51104 | $6K |
| FAMILY HEALTH CARE OF SIOUXLAND | Direct payment from the plan Service code 50 | 814 PIERCE ST STE 300 SIOUX CITY, IA 51101 | $6K |
| MARY T SCHNEIDER MD | Direct payment from the plan Service code 50 | 1000 JACKSON ST SIOUX CITY, IA 51105 | $6K |
| MARK W NIELSEN MD | Direct payment from the plan Service code 50 | 4630 SINGING HILLS BLVD ST SIOUX CITY, IA 51106 | $6K |
| THOMAS J KENNY IV MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $6K |
| MINIMED DISTRIBUTION CORP | Direct payment from the plan Service code 50 | 18000 DEVONSHIRE ST NORTHRIDGE, CA 91325 | $6K |
| BRIAN D JOHNSON MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $5K |
| SUSAN M CALDWELL MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $5K |
| UROLOGY PC | Direct payment from the plan Service code 50 | 5500 PINE LAKE RD LINCOLN, NE 68516 | $5K |
| LEEDS PHARMACY INC | Direct payment from the plan Service code 50 | 2729 OUTER DRIVE 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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | 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 | 178 | $2.2M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 506 | $205K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 340 | $30K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $168K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $112K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 178 | $2.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.