| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DON HERMANN AGENCY3 | 932 ST JOSEPH ST STE 101 RAPID CITY, SD 57701 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $9K | — | $9K | 1.55% |
| DON HERMANN AGENCY3 Filed as: DON HERRMANN AGENCY INC. | 821 MT RUSHMORE RD, SUITE B RAPID CITY, SD 57701 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 5.00% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP, INC. | P O BOX 8124 RAPID CITY, SD 57709 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.99% |
| DON HERMANN AGENCY3 Filed as: DON HERMANN AGENCY, INC. | 932 ST JOSEPH STREET, MAIN FLOOR RAPID CITY, SD 57701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP, INC. | P.O. BOX 8124 RAPID CITY, SD 57709 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $305 | — | $305 | 20.03% |
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 | 125 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 98 | $574K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 127 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 105 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $22K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
No prospect flags tripped on this filing.