| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STUART LEE3 | INNOVATIVE BENEFIT CONSULTANTS 412 WATER ST SIOUX CITY, IA 51103 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.49% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | ASSURITY LIFE INSURANCE COMPANY | $25K | — | $25K | 32.26% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS INC | 412 WATER STREET SIOUX CITY, IA 51103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 13.12% |
| SELECT NETWORKS3 Filed as: SELECT NETWORDS | 317 5TH AVENUE STE. 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.99% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51130 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER ST SIOUX CITY, IA 51103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.97% |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 207 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 420 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $36K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 202 | $62K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 270 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 73 | $28K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 270 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.