| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INC | 4321 E 60TH STREET DAVENPORT, IA 52807 | AVERA HEALTH PLANS, INC. | $28K | — | $28K | 2.93% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INC | 4321 E 60TH ST DAVENPORT, IA 52807 | AVERA HEALTH PLANS, INC | $13K | — | $13K | 4.08% |
| WESTERN DAKOTA INSURORS3 | 816 5TH STREET RAPID CITY, SD 57701 | DELTA DENTAL | $1K | — | $1K | 2.57% |
| WESTERN DAKOTA INSURORS3 | 816 5TH STREET RAPID CITY, SD 57701 | DELTA DENTAL | $2K | — | $2K | 10.88% |
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURORS INC | PO BOX 1300 RAPID CITY, SD 577091300 | PRINCIPLE LIFE INSURANCE | $1K | — | $1K | 13.96% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INSURANCE SERVICES, LLC | 4321 E 60TH ST. DAVENPORT, IA 528073505 | PRINCIPLE LIFE INSURANCE | $388 | — | $388 | 3.99% |
| WESTERN DAKOTA INSURORS3 | 816 5TH ST RAPID CITY, SD 577013708 | VISION SERVICE PLAN | $700 | — | $700 | 7.78% |
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURORS INC | PO BOX 1300 RAPID CITY, SD 577091300 | PRINCIPAL LIFE INSURANCE COMPANY | $502 | — | $502 | 9.97% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INS SVCS LLC | 4321 E 60TH ST DAVENPORT, IA 528073505 | PRINCIPAL LIFE INSURANCE COMPANY | $151 | — | $151 | 3.00% |
| WESTERN DAKOTA INSURORS3 | 816 5TH STREET RAPID CITY, SD 577013708 | VISION SERVICE PLAN | $438 | — | $438 | 10.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AVERA HEALTH PLANS, INC. | 224 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL | 125 | $67K |
| Vision(3 contracts, 2 carriers) | AVERA HEALTH PLANS, INC. | 224 | $954K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPLE LIFE INSURANCE | 179 | $15K |
| Prescription drug(2 contracts) | AVERA HEALTH PLANS, INC. | 224 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.