| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | HEALTHPARTNERS INSURANCE COMPANY | — | $178K | $178K | 9.36% |
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $5K | — | $5K | 1.13% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.08% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| LORI LEWISON3 | 3220 WEST 57TH STREET #110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 3.04% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.76% |
| LORI LEWISON3 | 3220 WEST 57TH STREET #110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 3.12% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LORI LEWISON3 | 3220 WEST 57TH STREET #110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | -$84 | — | -$84 | -34.43% |
| LORI LEWISON3 | 3220 WEST 57TH STREET #110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $3 | — | $3 | 2.10% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 629 | $1.9M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 641 | $441K |
| Vision(4 contracts) | VISION SERVICE PLAN | 358 | $76K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 774 | $156K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 569 | $297K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $94K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 774 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.