| 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 | $27K | — | $27K | 2.35% |
| MIDWEST EMPLOYEE BENEFITS INC3 Filed as: MIDWEST EMPLOYEE BENEFITS | 5000 S MACARTHUR LANE 103 SIOUX FALLS, SD 57108 | DELTA DENTAL | $2K | — | $2K | 1.58% |
| 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 | 4.75% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.33% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $629 | — | $629 | 6.09% |
| LESLI ANN MARTISH3 | 400 PITTSBURGH AVE HARRISBURGH, SD 57032 | COLONIAL LIFE & ACCIDENT INS COMPANY | $363 | $111 | $474 | 4.59% |
| NOEL HASERT3 | 5104 E AZALEA CIR SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INS COMPANY | $70 | $100 | $170 | 1.65% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INS COMPANY | $132 | $21 | $153 | 1.48% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE RD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INS COMPANY | $34 | — | $34 | 0.33% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INS COMPANY | $34 | — | $34 | 0.33% |
| TROY DARWIN GIFFORD3 | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INS COMPANY | $16 | — | $16 | 0.15% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.26% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 113 | $1.1M |
| Dental | DELTA DENTAL | 326 | $117K |
| Vision | VISION SERVICE PLAN | 195 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $37K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $19K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 113 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.