| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURORS, INC. | 816 5TH STREET RAPID CITY, SD 57701 | SANFORD HEALTH PLAN - SCULL CONSTRUCTION INC | $11K | — | $11K | 2.64% |
| WESTERN DAKOTA INSURORS3 | 816 5TH ST RAPID CITY, SD 57701 | SANFORD HEALTH PLAN - SITE WORKS SPECIALISTS | $9K | — | $9K | 3.40% |
| M BERGER-WESTERN DAKOTA INSURORS3 | 816 5TH STREET RAPID CITY, SD 57701 | DELTA DENTAL-SCULL CONSTRUCTION AND SWS | $1K | — | $1K | 2.28% |
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURORS INC | PO BOX 1300 RAPID CITY, SD 577091300 | PRINCIPAL LIFE INSURANCE COMPANY - SCULL CONSTRUCTION | $3K | — | $3K | 12.25% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INS SVCS LLC | 4321 E 60TH ST DAVENPORT, IA 528073505 | PRINCIPAL LIFE INSURANCE COMPANY - SCULL CONSTRUCTION | $600 | $418 | $1K | 4.56% |
| WESTERN DAKOTA INSURORS3 | 816 5TH ST RAPID CITY, SD 577013708 | VISION SERVICE PLAN - SCULL CONSTRUCTION | $681 | — | $681 | 7.91% |
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURORS INC | PO BOX 1300 RAPID CITY, SD 577091300 | PRINCIPLE LIFE INSURANCE -SITE WORK SPECIALISTS | $448 | — | $448 | 17.36% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INSURANCE SERVICES, LLC | 4321 E 60TH ST. DAVENPORT, IA 528073505 | PRINCIPLE LIFE INSURANCE -SITE WORK SPECIALISTS | $132 | $153 | $285 | 11.05% |
| WESTERN DAKOTA INSURORS3 | 816 5TH STREET RAPID CITY, SD 577013708 | VISION SERVICE PLAN - SITE WORK SPECIALISTS | $184 | — | $184 | 10.62% |
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 | 127 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN - SCULL CONSTRUCTION INC | 237 | $683K |
| Dental | DELTA DENTAL-SCULL CONSTRUCTION AND SWS | 93 | $65K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN - SCULL CONSTRUCTION | 57 | $10K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY - SCULL CONSTRUCTION | 160 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
No prospect flags tripped on this filing.