| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MCDONALD3 | 4726 CLIFF DRIVE RAPID CITY, SD 57702 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA-LYNN'S INC | $11K | — | $11K | 0.84% |
| JAMES MCDONALD3 | 4726 CLIFF DRIVE RAPID CITY, SD 57702 | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA EAGLECAV LLC | $2K | — | $2K | 1.00% |
| JIM MCDONALD3 | PO BOX 9485 RAPID CITY, SD 57709 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 1.59% |
| JAMES R MCDONALD3 | 4726 CLIFF DRIVE RAPID CITY, SD 57702 | STANDARD INSURANCE COMPANY (TEMP DISAB) | $2K | — | $2K | 9.29% |
| JAMES R MCDONALD3 | 4726 CLIFF DRIVE RAPID CITY, SD 57702 | STANDARD INSURANCE COMPANY (LIFE INS) | $2K | — | $2K | 9.38% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA-LYNN'S INC | 160 | $1.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 295 | $88K |
| Life insurance | STANDARD INSURANCE COMPANY (LIFE INS) | 186 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY (TEMP DISAB) | 186 | $23K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA-LYNN'S INC | 160 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.