| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HEALTHPARTNERS INSURANCE COMPANY | — | $151K | $151K | 1.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HEALTHPARTNERS INSURANCE COMPANY | — | $71K | $71K | 0.80% |
| LORI LEWISON3 | WORKPLACE MARKETING INS. ADVISORS 3220 W 57TH STREET, SUITE 110 SIOUX FALLS, SD 57108 | HEALTHPARTNERS INSURANCE COMPANY | — | $17K | $17K | 0.19% |
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | HEALTHPARTNERS INSURANCE COMPANY | — | $16K | $16K | 0.18% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 222 S 9TH STREET SUITE 1000 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF SOUTH DAKOTA | $4K | — | $4K | 0.87% |
| LORI LEWISON3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 0.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSUARANCE SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 1.68% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 11.28% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 11.28% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $1K | — | $1K | 1.29% |
| LORI LEWISON3 | 3220 WEST 57TH STREET SUITE 110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $1K | — | $1K | 1.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.10% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 14.60% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.40% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 14.54% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.46% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.01% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $921 | — | $921 | 3.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 222 S 9TH STREET SUITE 1000 MINEAPOLIS, MN 55402 | DELTA DENTAL OF SOUTH DAKOTA | $528 | — | $528 | 3.34% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $167 | — | $167 | 1.06% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 1,173 | $9.0M |
| Dental(2 contracts) | DELTA DENTAL OF SOUTH DAKOTA | 1,253 | $506K |
| Vision | VISION SERVICE PLAN | 807 | $110K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 908 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 492 | $343K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 511 | $118K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 1,173 | $9.0M |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 908 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,253 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.