| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICE, LLC | 200 SUMMIT LAKE DR SUITE 350 VALHALLA, NY 10595 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $8K | — | $8K | 0.54% |
| DON HERMANN AGENCY3 | 932 ST JOSEPH ST STE 101 RAPID CITY, SD 57701 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | $6K | — | $6K | 0.42% |
| DON HERMANN AGENCY3 Filed as: DON HERRMANN AGENCY INC. | 821 MT RUSHMORE RD, SUITE B RAPID CITY, SD 57701 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.89% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 8000 NORMAN CTR DR 400 BLOOMINGTON, MN 55437 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.11% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP, INC. | P O BOX 8124 RAPID CITY, SD 57709 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $669 | — | $669 | 3.30% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| DON HERMANN AGENCY3 Filed as: DON HERMANN AGENCY, INC. | 932 ST JOSEPH STREET, MAIN FLOOR RAPID CITY, SD 57701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $758 | — | $758 | 5.78% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 8000 NORMAN CENTER DR. STE. 400 BLOOMINGTON, MN 55437 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $554 | — | $554 | 4.22% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP, INC. | P.O. BOX 8124 RAPID CITY, SD 57709 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $170 | — | $170 | 13.38% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84 | — | $84 | 6.61% |
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 | 121 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SD | 100 | $1.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 153 | $82K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $1K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $20K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.