| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $140 | — | $140 | 0.01% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LANE STE 103 SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 7.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.03% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $2K | — | $2K | 7.76% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE RD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INS COMPANY | $775 | $664 | $1K | 4.65% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $680 | — | $680 | 2.20% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INS COMPANY | $486 | $74 | $560 | 1.81% |
| KATHY ZEIDLER3 | 960 WESTCHESTER AVE SHAKOPEE, MN 55379 | COLONIAL LIFE & ACCIDENT INS COMPANY | $275 | — | $275 | 0.89% |
| TROY DARWIN GIFFORD3 | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS COMPANY | $110 | $19 | $129 | 0.42% |
| JEFFREY PRATT GRIFFETH3 | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INS COMPANY | $50 | $34 | $84 | 0.27% |
| MICHAEL DAVID JOHNSON3 | 223 N 3900 E RIGBY, ID 83443 | COLONIAL LIFE & ACCIDENT INS COMPANY | $69 | — | $69 | 0.22% |
| LOWELL FUGAL3 | 4275 ENGLISH DRIVE MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INS COMPANY | $40 | — | $40 | 0.13% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INS COMPANY | $16 | $16 | $32 | 0.10% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INS COMPANY | $10 | $19 | $29 | 0.09% |
| LORENZO GREG GRIFFETH3 | 775 S 1ST E PRESTON, ID 83263 | COLONIAL LIFE & ACCIDENT INS COMPANY | $10 | — | $10 | 0.03% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 4.86% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 122 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 120 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 168 | $105K |
| Vision | VISION SERVICE PLAN | 166 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $43K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23 | $12K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 120 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.