| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RACHEL GACKLE - MARSH & MCLENNAN | AGENCY LLC PO BOX 5113 SIOUX FALLS, SD 57117 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 6.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.66% |
| JENNIFER GENANT3 | 407 S 4TH ST PARKSTON, SD 57366 | AFLAC | $2K | $148 | $2K | 3.13% |
| DOROTHY A KAMBACK3 | PO BOX 256 YANKTON, SD 57078 | AFLAC | $2K | — | $2K | 2.78% |
| SHANNON R JEPSEN3 | 115 BROADWAY AVE STE 3 YANKTON, SD 57078 | AFLAC | $1K | $51 | $1K | 1.54% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $712 | — | $712 | 0.98% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $620 | — | $620 | 0.85% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $389 | $46 | $435 | 0.60% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $262 | — | $262 | 0.36% |
| ZACHARY CHARLES ENGEN3 | 115 BROADWAY AVE STE 3 YANKTON, SD 57078 | AFLAC | $220 | — | $220 | 0.30% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LLC | PO BOX 215 PLANKINTON, SD 57368 | AFLAC | $211 | — | $211 | 0.29% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $135 | — | $135 | 0.19% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $124 | — | $124 | 0.17% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $118 | — | $118 | 0.16% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $103 | — | $103 | 0.14% |
| WENDY J SWANSON3 | 35111 260TH ST PUKWANA, SD 57370 | AFLAC | $96 | — | $96 | 0.13% |
| BILLIJEAN COLFORD3 | 518 RICE AVE GREGORY, SD 57533 | AFLAC | $57 | $26 | $83 | 0.11% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $66 | — | $66 | 0.09% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $64 | — | $64 | 0.09% |
| CHARLES J MEHLBRECH3 | 230 E CENTER AVE SALEM, SD 57058 | AFLAC | $61 | — | $61 | 0.08% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $59 | — | $59 | 0.08% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $53 | — | $53 | 0.07% |
| MARK E POPE3 | 2102 E ERSKINE ST PIERRE, SD 57501 | AFLAC | $49 | — | $49 | 0.07% |
| B LOUISE FAUST3 | 4870 50TH AVE ALTA, IA 51002 | AFLAC | $43 | — | $43 | 0.06% |
| SUSAN R WIRTH3 | 45775 293RD ST VIBORG, SD 57070 | AFLAC | $43 | — | $43 | 0.06% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $42 | — | $42 | 0.06% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $33 | — | $33 | 0.05% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $30 | — | $30 | 0.04% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $29 | — | $29 | 0.04% |
| TARA G WEEMAN3 | 1021 S COURTLAND ST CHAMBERLAIN, SD 57325 | AFLAC | $27 | — | $27 | 0.04% |
| DONNA K BYE3 | 2326 S LAKEPORT ST SIOUX CITY, IA 51106 | AFLAC | $25 | — | $25 | 0.03% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $25 | — | $25 | 0.03% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $24 | — | $24 | 0.03% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $24 | — | $24 | 0.03% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $24 | — | $24 | 0.03% |
| DAVID R HOPKINS3 | PO BOX 555 SPIRIT LAKE, IA 51360 | AFLAC | $23 | — | $23 | 0.03% |
| CARRIE A MITCHELL3 | 2525 N ALBERTA TRL TEA, SD 57064 | AFLAC | $22 | — | $22 | 0.03% |
| MARGARET A TURNER3 | 5201 S GLEN HAVEN PL SIOUX FALLS, SD 57108 | AFLAC | $22 | — | $22 | 0.03% |
| JOSEPH A SORENSEN3 | 4954 S 174TH ST OMAHA, NE 68135 | AFLAC | $20 | — | $20 | 0.03% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $20 | — | $20 | 0.03% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $19 | — | $19 | 0.03% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $14 | — | $14 | 0.02% |
| STENGRIM INS INC3 | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $13 | — | $13 | 0.02% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $12 | — | $12 | 0.02% |
| DAWN A BRADLEY3 | 2204 EVERGREEN DR KASOTA, MN 56050 | AFLAC | $12 | — | $12 | 0.02% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 11329 P ST STE 120 OMAHA, NE 68137 | AFLAC | $12 | — | $12 | 0.02% |
| EMILY J WALLOCH3 | PO BOX 7 SCOTLAND, SD 57059 | AFLAC | $11 | — | $11 | 0.02% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | AFLAC | $11 | — | $11 | 0.02% |
| DIA LLC3 | 520 6TH ST BROOKINGS, SD 57006 | AFLAC | $11 | — | $11 | 0.02% |
| ROBERT L VALENTINE3 | 101 RICHARD ST YANKTON, SD 57078 | AFLAC | $10 | — | $10 | 0.01% |
| HEATHER ROWE3 | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $9 | — | $9 | 0.01% |
| KAY JOHNSON3 | 1815 FLAG MOUNTAIN DR PIERRE, SD 57501 | AFLAC | $9 | — | $9 | 0.01% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $9 | — | $9 | 0.01% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $9 | — | $9 | 0.01% |
| VILEY REED3 | 101 W PROSPECT AVE APT 16 PIERRE, SD 57501 | AFLAC | $9 | — | $9 | 0.01% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $8 | — | $8 | 0.01% |
| KAREN A BACON3 | 1 SCARBOROUGH LN BELLA VISTA, AR 72715 | AFLAC | $7 | — | $7 | 0.01% |
| HOWARD E WINSTEAD3 | PO BOX 944 RAPID CITY, SD 57709 | AFLAC | $6 | — | $6 | 0.01% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $6 | — | $6 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $6 | — | $6 | 0.01% |
| DAKOTAH GOLD INSURANCE INC3 | PO BOX 50 VOLGA, SD 57071 | AFLAC | $5 | — | $5 | 0.01% |
| VIRGINIA HOLMES3 | 1404 S GORDON DR SIOUX FALLS, SD 57110 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS L STENGRIM3 | 2656 S ARLINGTON RD #D AKRON, OH 44319 | AFLAC | $5 | — | $5 | 0.01% |
| SHAWN D BENSER3 | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $4 | — | $4 | 0.01% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $4 | — | $4 | 0.01% |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $4 | — | $4 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW D DRESDEN3 | PO BOX 915 HARTINGTON, NE 68739 | AFLAC | $4 | — | $4 | 0.01% |
| PAUL L LASLEY3 | PO BOX 242 ALEXANDRIA, SD 57311 | AFLAC | $3 | — | $3 | 0.00% |
| MOLLY M HARVEY3 | 807 N WASHINGTON AVE SAINT PETER, MN 56082 | AFLAC | $3 | — | $3 | 0.00% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $3 | — | $3 | 0.00% |
| ERICA HAZELTON3 | 1313 S PARKVIEW BLVD BRANDON, SD 57005 | AFLAC | $2 | — | $2 | 0.00% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY L TOMLINSON3 Filed as: JEREMY L TOMILINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 28.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | STANDARD INSURANCE COMPANY | -$5K | — | -$5K | -10.18% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| MARSH & MCLENNAN AGENCY LLC3 | HOWALT MCDOWELL INS 300 N CHERAPA PL 6TH FL SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 20.01% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 515 | $264K |
| Vision | STANDARD INSURANCE COMPANY | 177 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 346 | $129K |
| Long-term disability | STANDARD INSURANCE COMPANY | 346 | $76K |
| Other(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 365 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.