| 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 | $25K | — | $25K | 2.74% |
| MIDWEST EMPLOYEE BENEFITS INC3 Filed as: MIDWEST EMPLOYEE BENEFITS | 5000 S MACARTHUR LANE 103 SIOUX FALLS, SD 57108 | DELTA DENTAL | $2K | — | $2K | 1.77% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.25% |
| 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% |
| LESLI ANN MARTISH3 | 400 PITTSBURGH AVE HARRISBURGH, SD 57032 | COLONIAL LIFE & ACCIDENT INS COMPANY | $454 | $418 | $872 | 8.22% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $701 | — | $701 | 6.61% |
| NOEL HASERT3 | 5104 E AZALEA CIR SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $80 | $180 | $260 | 2.45% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INS COMPANY | $160 | $11 | $171 | 1.61% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE RD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INS COMPANY | $45 | — | $45 | 0.42% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $45 | — | $45 | 0.42% |
| TROY DARWIN GIFFORD3 | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS COMPANY | $18 | — | $18 | 0.17% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.25% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 113 | $925K |
| Dental | DELTA DENTAL | 340 | $115K |
| Vision | VISION SERVICE PLAN | 191 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $35K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $19K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 113 | $925K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.