| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $5K | — | $5K | 0.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: JIMMY SCHNEIDER HOLMES, MURPHY, & A | 5120 S SOLBERG AVE SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $420 | — | $420 | 0.48% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $2K | $87 | $2K | 5.09% |
| AMBER MARIE LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $550 | $21 | $571 | 1.55% |
| JANEL P HEIDEBRINK3 | 14856 DAKOTA VIEW DR PIEDMONT, SD 57769 | AFLAC | $69 | — | $69 | 0.19% |
| CHERYL LORRAINE JOHNSON3 | 1129 HALLEY AVE RAPID CITY, SD 57701 | AFLAC | $25 | $11 | $36 | 0.10% |
| DENISE M ERICKSON3 | 2736 LAS VENTANANS TRL FT WORTH, TX 76131 | AFLAC | $32 | — | $32 | 0.09% |
| BETH A GOODWIN3 | 4455 SEEAIRE STREET RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.08% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $11 | $4 | $15 | 0.04% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $4 | — | $4 | 0.01% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $4 | — | $4 | 0.01% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $2 | — | $2 | 0.01% |
| KAY JOHNSON3 | 1815 FLAG MOUNTAIN DR PIERRE, SD 57501 | AFLAC | $2 | — | $2 | 0.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.00% |
| MARK K VICKERS3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.88% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 1.25% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 17.74% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 14.40% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE | $528 | — | $528 | 11.96% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $793K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 193 | $88K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 83 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $32K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $793K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $793K |
| Other(3 contracts, 3 carriers) | AFLAC | 145 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.