Form 5500 · Employee benefit plan · SIOUX FALLS, SD
ISSUES MANAGEMENT, INC. DBA FIVE STAR CALL CENTERS
The filing calls this plan ISSUES MANAGEMENT DBA FIVE STAR CALL CENTERS HEALTH AND WELFARE BENEFIT PLAN.
ISSUES MANAGEMENT, INC. DBA FIVE STAR CALL CENTERS of SIOUX FALLS, SD spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is KEELER, SHAWN J. Coverage is written through WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA and 4 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-0398668 · plan 501 · plan year 2025, filed Dec 2, 2025
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6 other employer plans in South Dakota have policy years ending in July. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, covers 146 people.
Reported premium across the insured contracts is $1,812,170, with $21,971 in disclosed broker commissions — about 1.2% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
KEELER, SHAWN J is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, DELTA DENTAL OF SOUTH DAKOTA, AMERICAN HERITAGE LIFE INSURANCE COMPANY and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY. WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 120 | Aug 1, 2025 | $67,543 | $13,385 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 426 | Aug 1, 2025 | $39,275 | $3,927 |
| DELTA DENTAL OF SOUTH DAKOTA | Dental | 180 | Aug 1, 2025 | $77,011 | $1,570 |
| VISION SERVICE PLAN | Vision | 169 | Aug 1, 2025 | $28,632 | $1,361 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 45 | Aug 1, 2025 | $9,018 | $902 |
| DELTA DENTAL OF SOUTH DAKOTA | Dental | 86 | Aug 1, 2025 | $21,308 | $826 |
| WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | Health | 146 | Aug 1, 2025 | $1,569,383 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
6 other employer plans in South Dakota are August 1 renewals (policy year ends July).
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