| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOEN & ASSOCIATES INC3 | PO BOX 89010 SIOUX FALLS, SD 57105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.08% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.94% |
| JADE COMPANIES LLC3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $769 | — | $769 | 3.46% |
| TRACY L HOSTLER3 | 3500 SOUTH PHILLIPS AVENUE SUITE 101 SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | — | $265 | 1.19% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $322 | — | $322 | 10.00% |
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 | 115 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 82 | $584K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 72 | $67K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 72 | $67K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 174 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $12K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 174 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.