| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNA DIEDE DAKOTALAND COMMUNITY IN3 | 1371 DAKOTA AVENUE SOUTH HURON, SD 57350 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.56% |
| ACRIPOINT LLC3 | PO BOX 1625 WATERTOWN, SD 57201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.95% |
| FISCHER ROUNDS & ASSOCIATES INC3 | 125 EAST DAKOTA AVENUE PIERRE, SD 57501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $436 | $3K | 6.01% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE SUITE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| DAKOTALAND COMMUNITY INSURANCE, LLC3 | 1371 DAKOTA AVENUE SOUTH SUITE 200 HURON, SD 57350 | OPTILEGRA, INC. | $3K | — | $3K | 10.00% |
| ACRIPOINT LLC3 | PO BOX 1625 WATERTOWN, SD 57201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.93% |
| FISCHER ROUNDS & ASSOCIATES INC3 | 125 EAST DAKOTA AVENUE PIERRE, SD 57501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $249 | $2K | 6.04% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE SUITE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRIPOINT LLC3 | PO BOX 1625 WATERTOWN, SD 57201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.69% |
| FISCHER ROUNDS & ASSOCIATES INC3 | 125 EAST DAKOTA AVENUE PIERRE, SD 57501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $844 | $150 | $994 | 6.24% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE SUITE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $796 | $796 | 5.00% |
| ACRIPOINT LLC3 | PO BOX 1625 WATERTOWN, SD 57201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| FISCHER ROUNDS & ASSOCIATES INC3 | 125 EAST DAKOTA AVENUE PIERRE, SD 57501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $771 | $146 | $917 | 6.01% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE SUITE 350 EXCELSIOR, MN 55331 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $762 | $762 | 5.00% |
No Schedule C service providers reported on this filing.
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 83 | $1.4M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 153 | $143K |
| Vision | OPTILEGRA, INC. | 149 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.