| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $29K | $0 | $29K | 0.55% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC | 820 SAINT JOE RAPID CITY, SD 57709 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $20K | $0 | $20K | 0.37% |
| HOLMES MURPHY & ASSOCIATES3 | — | DELTA DENTAL OF SOUTH DAKOTA | $5K | $0 | $5K | 1.05% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC | PO BOX 3330 RAPID CITY, SD 57709 | DELTA DENTAL OF SOUTH DAKOTA | $1K | $0 | $1K | 0.29% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC | PO BOX 3330 RAPID CITY, SD 57709 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.60% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC | PO BOX 3330 RAPID CITY, SD 57709 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.30% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY INC | 820 SAINT JOE RAPID CITY, SD 57709 | FEDERAL INSURANCE COMPANY | $453 | $52 | $505 | 16.73% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 421 | $5.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 864 | $441K |
| Vision | VISION SERVICE PLAN | 386 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $248K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $248K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 421 | $5.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 417 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.