| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LANE STE 103 SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 7.01% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.34% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 5.24% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $1K | — | $1K | 5.28% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INS COMPANY | $186 | $4 | $190 | 0.93% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE RD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INS COMPANY | $173 | $4 | $177 | 0.87% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $104 | — | $104 | 0.51% |
| TROY DARWIN GIFFORD3 | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS COMPANY | $35 | — | $35 | 0.17% |
| JP GRIFFETH ENTERPRISES INC3 | 12416 WEST BRADDOCK DR BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INS COMPANY | $15 | — | $15 | 0.07% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.33% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $974K |
| Dental | UNION SECURITY INSURANCE COMPANY | 151 | $89K |
| Vision | VISION SERVICE PLAN | 148 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $33K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $21K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $974K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.