| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LN STE 103 SIOUX FALLS, SD 57108 | WELLMARK BLUE CROSS BLUE SHIELD OF SD | $40K | — | $40K | 4.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS BLUE SHIELD OF SD | $9K | — | $9K | 1.07% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LANE STE 103 SIOUX FALLS, SD 57103 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 9.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCS LLC | 4000 RIVER RIDGE DR NE CEDAR RAPIDS, IA 52402 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 1.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $765 | — | $765 | 0.91% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.42% |
| MIDWEST EMPLOYEE BENEFITS INC3 | 5000 S MACARTHUR LANE STE 103 SIOUX FALLS, SD 57108 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS LLC | 4000 RIVER RIDGE DR NE CEDAR RAPIDS, IA 52402 | UNION SECURITY INSURANCE COMPANY | — | $392 | $392 | 3.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $109 | — | $109 | 0.90% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $882 | — | $882 | 13.09% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SD | 145 | $837K |
| Dental | UNION SECURITY INSURANCE COMPANY | 121 | $84K |
| Vision | UNION SECURITY INSURANCE COMPANY | 189 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $7K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF SD | 145 | $837K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.