| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABBEY VANDERWERF3 | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 0.66% |
| SETH MAJOR3 | 4280 SERGEANT RD STE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 825 MARYVILLE CENTRE DR, STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $998 | $6K | 3.93% |
| 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 | $3K | — | $3K | 2.04% |
| 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 | 0.81% |
| SELECT NETWORKS5 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| 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 | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| MICHAEL DONLEY3 | 6300 S MAPLE ROCK TRAIL SIOUX FALLS, IA 57108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 718 SIOUX CITY, IA 51102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $674 | $42 | $716 | 2.72% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | $33 | $280 | 1.06% |
| HOVIE AGENCY LLC3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $33 | $254 | 0.97% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.14% |
| GARY L HOLTROP3 | P.O. BOX 218 IRETON, IA 51027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.12% |
| JON SCOTT SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREMARK SPECIALTY P | Direct payment from the plan Service code 50 | 11162 RENNER BLVD LENEXA, KS 66219 | $541K |
| SIOUXLAND SURGERY CENTER LTD PART OWNED BY EMPLOYER | Direct payment from the plan Service code 50 | 600 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $396K |
| ST LUKES REGIONAL MEDICAL CENTER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $352K |
| HYVEE PHARMACY SOLUTIONS | Direct payment from the plan Service code 50 | 10004 S 152ND ST STE C OMAHA, NE 68138 | $165K |
| AVERA MCKENNAN BEHAVIORAL HEALTH | Direct payment from the plan Service code 50 | 1325 S CLIFF AVE SIOUX FALLS, SD 57105 | $145K |
| CVS SPECIALTY 02921 | Direct payment from the plan Service code 50 | 105 MALL BLVD MONROEVILLE, PA 15146 | $131K |
| DUNES FAMILY PHARMACY | Direct payment from the plan Service code 50 | 101 TOWER RD STE 130 DAKOTA DUNES, SD 57049 | $98K |
| BOYS TOWN NATIONAL RESEARCH HOSPITA | Direct payment from the plan Service code 50 | PO BOX 773072 CHICAGO, IL 60677 | $65K |
| WALMART PHARMACY 103590 | Direct payment from the plan Service code 50 | 3101 FLOYD BLVD SIOUX CITY, IA 51108 | $57K |
| CENTURA ST ANTHONY HOSPITAL | Direct payment from the plan Service code 50 | PO BOX 800022 KANSAS CITY, MO 64180 | $45K |
| PIERCE STREET SAME DAY SURGERY | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 100 SIOUX CITY, IA 51104 | $41K |
| MATTHEW R JOHNSON MD EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $38K |
| MERCYONE SIOUXLAND MEDICAL CENTER | Direct payment from the plan Service code 50 | 801 5TH ST SIOUX CITY, IA 51101 | $37K |
| HYVEE PHARMACY 1610 | Direct payment from the plan Service code 50 | 2827 HAMILTON BLVD SIOUX CITY, IA 51104 | $34K |
| ADNAN A QALBANI MD | Direct payment from the plan Service code 50 | 330 DAKOTA DUNES BLVD 200 DAKOTA DUNES, SD 57049 | $32K |
| MAYO CLINIC HOSPITAL ROCHESTER | Direct payment from the plan Service code 50 | 1216 2ND ST SW ROCHESTER, MN 55902 | $31K |
| RIVERVIEW SURGICAL CENTER | Direct payment from the plan Service code 50 | 201 E 4TH ST S SIOUX CITY, NE 68776 | $26K |
| JEREMY J GRANGER MD | Direct payment from the plan Service code 50 | 5885 SUNNYBROOK DR STE E10 SIOUX CITY, IA 51106 | $26K |
| LEEDS PHARMACY INC | Direct payment from the plan Service code 50 | 2729 OUTER DRIVE N SIOUX CITY, IA 51104 | $24K |
| AMANDA R DANNENBRING DO | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $24K |
| UNITYPOINT AT HOME | Direct payment from the plan Service code 50 | 11333 AURORA AVE URBANDALE, IA 50322 | $22K |
| DRILLING PHARMACY | Direct payment from the plan Service code 50 | 4010 MORNINGSIDE AVE SIOUX CITY, IA 51106 | $21K |
| FAMILY HEALTH CARE OF SIOUXLAND | Direct payment from the plan Service code 50 | 814 PIERCE ST STE 300 SIOUX CITY, IA 51101 | $19K |
| SANFORD USD MEDICAL CENTER | Direct payment from the plan Service code 50 | 1305 W 18TH ST SIOUX FALLS, SD 57105 | $18K |
| AMIMAS SURGICAL HOSPITAL | Direct payment from the plan Service code 50 | 6128 S LYNCREST AVE SIOUX FALLS, SD 57108 | $18K |
| JON M GRUDEM MD EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 2720 STONE PARK BLVD SIOUX CITY, IA 51104 | $18K |
| SIOUXLAND MENTAL HEALTH CENTER | Direct payment from the plan Service code 50 | 625 COURT ST SIOUX CITY, IA 51101 | $17K |
| MAYO CLINIC | Direct payment from the plan Service code 50 | 200 1ST ST SW ROCHESTER, MN 55905 | $16K |
| THOMAS J KENNY IV MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $16K |
| WALGREENS 15647 | Direct payment from the plan Service code 50 | 1900 HAMILTON BLVD SIOUX CITY, IA 51104 | $15K |
| EMILY J KRUSE PA | Direct payment from the plan Service code 50 | 330 DAKOTA DUNES BLVD 200 DAKOTA DUNES, SD 57049 | $15K |
| JOSEPH H CARREAU MD EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $14K |
| REASON A FORD MD | Direct payment from the plan Service code 50 | 101 TOWER RD STE 120 DAKOTA DUNES, SD 57049 | $14K |
| AMIR A ANDRAWIS MD | Direct payment from the plan Service code 50 | 4545 SERGEANT RD SIOUX CITY, IA 51106 | $14K |
| STEVEN J FERGUSON OD | Direct payment from the plan Service code 50 | 305 DAKOTA DUNES BLVD NORTH SIOUX CITY, SD 57049 | $14K |
| ANGELA J ALDRICH MD | Direct payment from the plan Service code 50 | 2730 PIERCE ST STE 201 SIOUX CITY, IA 51104 | $13K |
| HYVEE PHARMACY 7070 | Direct payment from the plan Service code 50 | 2611 PIERCE STREET SIOUX CITY, IA 51104 | $13K |
| MICHAEL A O'NEAL OD | Direct payment from the plan Service code 50 | 305 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 | $13K |
| YORELL MANON MATOS MD EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $13K |
| RYAN C MEIS MD EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 575 SIOUX POINT RD DAKOTA DUNES, SD 57049 | $12K |
| HYVEE PHARMACY 1614 | Direct payment from the plan Service code 50 | 4500 SERGEANT RD SIOUX CITY, IA 51106 | $12K |
| DAVID D RETTEDAL DPM EMPLOYEE OF EMPLOYER | Direct payment from the plan Service code 50 | 575 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $11K |
| LINDSEY M SCHUTTE PA | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $11K |
| TRINITY REGIONAL MEDICAL CENTER | Direct payment from the plan Service code 50 | 802 KENYON RD FORT DODGE, IA 50501 | $11K |
| SANDFORD VERMILLION HOSPITAL | Direct payment from the plan Service code 50 | 20 S PLUM ST VERMILLION, SD 57069 | $11K |
| NANCY P SCHENK MD | Direct payment from the plan Service code 50 | 345 W STEAMBOAT DR STE 300 DAKOTA DUNES, SD 57049 | $10K |
| WADE S LUKKEN MD | Direct payment from the plan Service code 50 | 600 N SIOUX POINT RD DAKOTA DUNES, SD 57049 | $10K |
| NEBRASKA MEDICINE | Direct payment from the plan Service code 50 | 987400 NEBRASKA MEDICAL CENTER OMAHA, NE 68198 | $10K |
| SANDRA K GRANGER MD | Direct payment from the plan Service code 50 | 5885 SUNNYBROOK DR STE E10 SIOUX CITY, IA 51106 | $10K |
| ANN E REHAN MD | Direct payment from the plan Service code 50 | 1125 PIERCE ST SIOUX CITY, IA 51105 | $10K |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | 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 | 230 | $3.0M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 640 | $267K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 464 | $40K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $190K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $190K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $164K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 230 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
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.