Don't know if I worded my subject correctly...anyhow:

I've made a spreadsheet listing employee benefits.

B C D
1 John 1
=lookup(C1,{1,2,3,5},{"40.55","77.86","130.34","77 .86"})
2 Mary 3
=lookup(C1,{1,2,3,5},{"40.55","77.86","130.34","77 .86"})

So, in John's column B) case, he is covering only one person in his
benefits(column C), so his premium (column D) would be 40.55; and Mary is
covering 3 people in her benefits, so her premium would be 130.34; etc...

Columns E - F are text (notes).

Column G contains various adjustments (not every employee has adjustments)
to the month's particular bill. For example, John may have been credited
(20.55) this month because he was overcharged the previous month. Mary,
however, has no adjustments.

Column H will total the monthly premium charge of the respective employee
(including charges and adjustments)--so the formula in column H will be
=sum(D1:G1) for John, but since Mary has no adjustments, H2 will be =D2.

Here is my problem: I am trying to sum H1:H57 and it is not working at all.
I should be getting the figure $2,499.59, but the formula is resulting in
$57.75 for some reason. I am thinking this has to do with the fact that
Column H depends upon a sum from Column D which utilizes the LOOKUP function.
How can I get an total for the actual values in Column H (without having to
individually click in each individual cell, press F2, then press F9, then
press Enter)?