| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 1300 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $2K | $0 | $2K | 2.09% |
| HEATHER M BRAMER3 Filed as: HEATHER M. BRAMER | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $725 | $0 | $725 | 3.77% |
| TERRI BRUNER3 Filed as: TERRI BRUNER AND OTHER AGENTS | 482 SOUTH LAKE DRIVE WATERTOWN, SD 57201 | AFLAC | $567 | $0 | $567 | 2.95% |
| ASHLEY D WARNER3 Filed as: ASHLEY D. WARNER | 712 2ND STREET SW DE SMET, SD 57231 | AFLAC | $479 | $0 | $479 | 2.49% |
| WARREN L FRICK3 Filed as: WARREN L. FRICK | 4655 HAMPTONS DRIVE ALPHARETTA, GA 30004 | AFLAC | $162 | $0 | $162 | 0.84% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $127 | $0 | $127 | 0.66% |
| PERFORMANCE PLUS LLC3 | 114 NORTH MAIN STREET MITCHELL, SD 57301 | AFLAC | $123 | $0 | $123 | 0.64% |
| JOLYNNE M MACK3 Filed as: JOLYNNE M. MACK | 1301 4TH STREET SE WATERTOWN, SD 57201 | AFLAC | $82 | $0 | $82 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $1K | $346 | $2K | 12.64% |
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 | 79 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 73 | $870K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 159 | $73K |
| Vision | STANDARD INSURANCE COMPANY | 68 | $13K |
| Short-term disability | AFLAC | 27 | $19K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 73 | $870K |
| Other(2 contracts, 2 carriers) | AFLAC | 36 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.