| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $5K | — | $5K | 1.20% |
| LORI LEWISON3 | 4301 W 57TH STREET SUITE 126 SIOUX FALLS, SD 571082258 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 12.98% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $6K | $72K | 47.40% |
| LORI D LEWISON3 | 4301 WEST 57TH STREET SIOUX FALLS, SD 57108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 18.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | P.O. BOX. 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.01% |
| LORI D LEWISON3 | 4301 WEST 57TH STREET SIOUX FALLS, SD 57108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.17% |
| LORI LEWISON3 | 4301 W 57TH STREET SUITE 126 SIOUX FALLS, SD 571082258 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| LORI LEWISON3 | 4301 W 57TH STREET SUITE 126 SIOUX FALLS, SD 571082258 | VISION SERVICE PLAN | $249 | — | $249 | 3.95% |
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 | 613 | 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) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 613 | $5.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 596 | $382K |
| Vision | VISION SERVICE PLAN | 588 | $6K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 789 | $160K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $214K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | 538 | $214K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 829 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.