| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN RAPID CITY, SD 57703 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $43K | $0 | $43K | 2.24% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC. | PO BOX 3330 RAPID CITY, SD 57709 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.30% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC. | PO BOX 3330 RAPID CITY, SD 57709 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.00% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC. | PO BOX 3330 RAPID CITY, SD 57709 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.38% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC. | 820 SAINT JOE RAPID CITY, SD 57709 | FEDERAL INSURANCE COMPANY | $122 | $0 | $122 | 15.06% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 249 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 506 | $257K |
| Vision | VISION SERVICE PLAN | 236 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $87K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 249 | $1.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.