| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | HEALTHPARTNERS, INC | — | $221K | $221K | 8.61% |
| LORI LEWISON3 | 4301 WEST 57TH STREET #126 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $6K | — | $6K | 1.19% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 2.06% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| LORI LEWISON3 | 3220 WEST 57TH STREET #110 SIOUX FALLS, SD 57108 | VISION SERVICE PLAN | $3K | — | $3K | 2.57% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| WORKPLACE MARKETING3 | 4301 WEST 57TH STREET SUITE 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LORI D LEWISON3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 3.63% |
| LORI LEWISON, WORKPLACE MARKET INS3 Filed as: LORI DLEWISON | 4301 WEST 57TH STREET SIOUX FALLS, SD 57108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 1.50% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC | 666 | $2.6M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 687 | $485K |
| Vision | VISION SERVICE PLAN | 746 | $102K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 836 | $166K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 464 | $302K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $103K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 836 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.