| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 5000 S MAC ARTHUR LANE STE 103 SIOUX FALLS, SD 57108 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $15K | — | $15K | 1.50% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $11K | — | $11K | 1.09% |
| MIDWEST EMPLOYEE BENEFITS INC3 Filed as: MIDWEST EMPLOYEE BENEFITS | 5000 S MACARTHUR LANE 103 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 5000 S MAC ARTHUR LANE STE 103 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 4.33% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $550 | — | $550 | 2.34% |
| 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 | $1K | — | $1K | 6.14% |
| VICKERS, MARK K3 | 821 COLUMBUS ST 3 RAPID CITY, SD 57701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.03% |
| NORTH RISK PARTNERS LLC3 | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $914 | — | $914 | 6.66% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD STE 240 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.91% |
| 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 | $46 | — | $46 | 0.49% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD STE 240 ST. CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $444 | — | $444 | 5.41% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 5000 S MAC ARTHUR LANE SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | — | $378 | 5.41% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 2.71% |
| LESLI ANN MARTISH3 | 301 TIGER ST HARRISBURG, SD 57032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 1.02% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.97% |
| NOEL HASERT3 | 5104 E AZALEA CIR SIOUX FALLS, SD 57108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.40% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 1251 STONE RIDGE RD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.27% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 109 | $997K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 298 | $103K |
| Vision | VISION SERVICE PLAN | 155 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $35K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $18K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 109 | $997K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.