| 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 | 1.36% |
| 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 | $7K | — | $7K | 5.85% |
| 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 | — | $2K | $2K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 4280 SERGEANT RD STE 200 SIOUX CITY, IA 51106 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.92% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.94% |
| MICHAEL DONLEY3 | 6300 S MAPLE ROCK TRAIL SIOUX FALLS, IA 57108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $7 | $729 | 2.20% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $28 | $294 | 0.89% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $22 | $241 | 0.73% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| GARY L HOLTROP3 | P.O. BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.13% |
| JON SCOTT SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | $273K |
| HYVEE PHARMACY SOLUTIONS | Direct payment from the plan Service code 50 | 10004 S 152ND ST STE C OMAHA, NE 68138 | $180K |
| ST LUKES REGIONAL MEDICAL CENTER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $169K |
| MAYO CLINIC HOSPITAL ROCHESTER | Direct payment from the plan Service code 50 | 1216 2ND ST SW ROCHESTER, MN 55902 | $132K |
| CVS SPECIALTY 02921 | Direct payment from the plan Service code 50 | 105 MALL BLVD MONROEVILLE, PA 15146 | $125K |
| MERCY MEDICAL CENTER SIOUX CITY | Direct payment from the plan Service code 50 | 801 5TH ST PO BOX 3168 SIOUX CITY, IA 51101 | $91K |
| NOVACURE INC. | Direct payment from the plan Service code 50 | 195 COMMERCE WAY PORTSMOUTH, NH 03801 | $78K |
| DUNES FAMILY PHARMACY | Direct payment from the plan Service code 50 | 101 TOWER RD STE 130 DAKOTA DUNES, SD 57049 | $73K |
| CAREMARK SPECIALTY P | Direct payment from the plan Service code 50 | 11162 RENNER BLVD LENEXA, KS 66219 | $63K |
| BLACK HILLS LIFE FLIGHT | Direct payment from the plan Service code 50 | 5500 S QUEBEC ST STE 300 GREENWOOD VILLA, CO 80111 | $59K |
| PIERCE STREET SAME DAY SURGERY | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 100 SIOUX CITY, IA 51104 | $47K |
| GREGORY D NADEN MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $42K |
| VAIL VALLEY SURGERY CENTER | Direct payment from the plan Service code 50 | PO BOX 1270 VAIL, CO 81658 | $41K |
| ADVENTIST HEALTH SYSTEM SUNBEL | Direct payment from the plan Service code 50 | PO BOX 862304 ORLANDO, FL 32886 | $41K |
| WALMART PHARMACY 103590 | Direct payment from the plan Service code 50 | 3101 FLOYD BLVD SIOUX CITY, IA 51108 | $35K |
| CHI HEALTH NEBRASKA HEART | Direct payment from the plan Service code 50 | 7500 S 91ST ST LINCOLN, NE 68526 | $33K |
| WALGREENS 10502 | Direct payment from the plan Service code 50 | 1030 W 21ST ST S SIOUX CITY, SD 68776 | $31K |
| SANFORD USD MEDICAL CENTER | Direct payment from the plan Service code 50 | 1305 W 18TH ST SIOUX FALLS, SD 57105 | $28K |
| HYVEE PHARMACY 1610 | Direct payment from the plan Service code 50 | 2827 HAMILTON BLVD SIOUX CITY, IA 51104 | $27K |
| NEBRASKA METHODIST HOSPITAL PH | Direct payment from the plan Service code 50 | PO BOX 2797 OMAHA, NE 68103 | $26K |
| MAYO CLINIC | Direct payment from the plan Service code 50 | 200 1ST ST SW ROCHESTER, MN 55905 | $23K |
| ADNAN A QALBANI MD | Direct payment from the plan Service code 50 | 330 DAKOTA DUNES BLVD 200 DAKOTA DUNES, SD 57049 | $16K |
| DRILLING PHARMACY | Direct payment from the plan Service code 50 | 4010 MORNINGSIDE AVE SIOUX CITY, IA 51106 | $15K |
| THOMAS J KENNY IV MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $14K |
| LEEDS PHARMACY INC | Direct payment from the plan Service code 50 | 2729 OUTER DRIVE SIOUX CITY, IA 51104 | $14K |
| RYAN C MEIS MD EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $13K |
| TRAE J BERGH PA EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $13K |
| QUENTIN J DURWARD MD EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $13K |
| WADE K JENSEN MD EMPLOYER | Direct payment from the plan Service code 50 | 4802 SUNNYBROOK DR SIOUX CITY, IA 51106 | $12K |
| AMANDA R DANNENBRING DO | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $12K |
| TAUHNI T HUNT MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $12K |
| KELLER PHARMACY | Direct payment from the plan Service code 50 | 101 W 3RD ST PONCA, NE 68770 | $11K |
| CAREMARK INC | Direct payment from the plan Service code 50 | 800 BIERMANN CT STE B MOUNT PROSPECT, IL 60056 | $11K |
| ANN E REHAN MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $10K |
| JEREMY J GRANGER MD | Direct payment from the plan Service code 50 | 5885 SUNNYBROOK DR STE E10 SIOUX CITY, IA 51104 | $10K |
| WALGREENS 15647 | Direct payment from the plan Service code 50 | 1900 HAMILTON BLVD SIOUX CITY, IA 51104 | $10K |
| WALGREENS 05470 | Direct payment from the plan Service code 50 | 4650 MORNINGSIDE AVE SIOUX CITY, IA 51106 | $10K |
| JON M GRUDEM MD EMPLOYER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $9K |
| DARREN D CHESTER MD | Direct payment from the plan Service code 50 | 2420 9TH AVE SE WATERTOWN, SD 57201 | $9K |
| WILLIAM J ANDREWS MD EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $9K |
| MICHAEL A O'NEAL OD | Direct payment from the plan Service code 50 | 305 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 | $9K |
| NASSER G ABU ERREISH MD | Direct payment from the plan Service code 50 | 230 NEBRASKA ST SIOUX CITY, IA 51101 | $8K |
| HENDRIK B KLOPPER MD EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $8K |
| IOWA METHODIST MEDICAL CENTER | Direct payment from the plan Service code 50 | 1200 PLEASANT STREET DES MOINES, IA 50309 | $8K |
| THOMPSON DEANDRUG | Direct payment from the plan Service code 50 | 911 W 7TH ST SIOUX CITY, IA 51103 | $8K |
| REASON A FORD MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $8K |
| NANCY P SCHENK MD | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $8K |
| STEADMAN HAWKINS CLINIC | Direct payment from the plan Service code 50 | PO BOX 660706 DALLAS, TX 75266 | $7K |
| CVS PHARMACY | Direct payment from the plan Service code 50 | 5775 SUNNYBROOK DR SIOUX CITY, IA 51106 | $7K |
| BENJAMIN T BISSELL MD EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $7K |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | 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 | 199 | $2.7M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 557 | $224K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 399 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $157K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $124K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 199 | $2.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.