| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI LEWISON, WORKPLACE MARKET INS3 | 3220 W 57TH STE 110 SIOUX FALLS, SD 57108 | HEALTHPARTNERS INSURANCE COMPANY | $26K | — | $26K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4280 SERGEANT RD SIOUX CITY, IA 51106 | HEALTHPARTNERS INSURANCE COMPANY | $16K | — | $16K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT RD, STE 200 SIOUX CITY, IA 51106 | DELTA DENTAL OF SOUTH DAKOTA | $826 | — | $826 | — |
| WORKPLACE MARKETING3 | 3220 W 57TH ST, STE 110 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $744 | — | $744 | — |
| WORKPLACE MARKETING3 | 4301 WEST 57TH ST 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD | $459 | — | $459 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT RD, ST 200 SIOUX CITY, IA 51106 | RELIANCE STANDARD | $299 | — | $299 | — |
| WORKPLACE MARKETING3 | 4301 WEST 57TH ST 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD | $1K | — | $1K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 4280 SERGEANT RD SIOUX CITY, IA 51106 | RELIANCE STANDARD | $903 | — | $903 | — |
| WORKPLACE MARKETING3 | 4301 WEST 57TH ST 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD | $320 | — | $320 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT RD SIOUX CITY, IA 51106 | RELIANCE STANDARD | $261 | — | $261 | — |
| WORKPLACE MARKETING3 | 4301 WEST 57TH ST 126 SIOUX FALLS, SD 57108 | RELIANCE STANDARD | $1K | — | $1K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT RD SIOUX CITY, IA 51106 | RELIANCE STANDARD | $878 | — | $878 | — |
| WORKPLACE MARKETING3 Filed as: WORKPLACE MARKETING INSURANCE ADVIS | 4301 W 57TH ST SIOUX FALLS, SD 57108 | RELIANCE STANDARD | $459 | — | $459 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4280 SERGEANT RD SIOUX CITY, IA 51106 | RELIANCE STANDARD | $299 | — | $299 | — |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 158 | $1.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 204 | $0 |
| Life insurance(3 contracts) | RELIANCE STANDARD | 170 | $0 |
| Short-term disability | RELIANCE STANDARD | 16 | $0 |
| Long-term disability | RELIANCE STANDARD | 8 | $0 |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 158 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.