| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK K VICKERS3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.32% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $574 | — | $574 | 2.22% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $2K | $124 | $2K | 11.27% |
| AMBER MARIE LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $478 | $23 | $501 | 2.38% |
| BETH A GOODWIN3 | 4455 SEEAIRE STREET RAPID CITY, SD 57702 | AFLAC | $436 | $23 | $459 | 2.18% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE ROAD RAPID CITY, SD 57702 | AFLAC | $40 | — | $40 | 0.19% |
| JANEL P HEIDEBRINK3 | 14856 DAKOTA VIEW DR PIEDMONT, SD 57769 | AFLAC | $21 | — | $21 | 0.10% |
| KAYLA ANN SCHAD3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.10% |
| BRITTANY MARIE URAN3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.05% |
| SUSAN L SOEHREN3 | 540 VIKING DRIVE RAPID CITY, SD 57701 | AFLAC | — | — | $0 | 0.00% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | — | — | $0 | 0.00% |
| BROOKE A GEDDES3 | 592 BUTTERCUP COURT SPEARFISH, SD 57783 | AFLAC | — | — | $0 | 0.00% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | — | — | $0 | 0.00% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD STE 240 ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $264 | — | $264 | 2.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD STE 240 ST CLOUD, MN 56301 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | STARMOUNT LIFE INSURANCE COMPANY | $264 | — | $264 | 2.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD STE 240 ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $660 | — | $660 | 16.66% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101 | — | $101 | 2.55% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 97 | $1.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 211 | $102K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 92 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $17K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $26K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 97 | $1.3M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 97 | $1.3M |
| Other(3 contracts, 2 carriers) | AFLAC | 143 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.