| 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 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 9.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | -$3K | — | -$3K | -2.92% |
| JENNIFER GENANT3 | 407 S 4TH ST PARKSTON, SD 57366 | AFLAC | $3K | $123 | $3K | 3.53% |
| DOROTHY A KAMBACK3 | PO BOX 256 YANKTON, SD 57078 | AFLAC | $3K | — | $3K | 2.64% |
| SHANNON R JEPSEN3 | 115 BROADWAY AVE STE 3 YANKTON, SD 57078 | AFLAC | $1K | $27 | $1K | 1.53% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $1K | $15 | $1K | 1.06% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $794 | — | $794 | 0.82% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $593 | $53 | $646 | 0.66% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE LLC | PO BOX 215 PLANKINTON, SD 57368 | AFLAC | $418 | $110 | $528 | 0.54% |
| EMILY J WALLOCH3 | PO BOX 7 SCOTLAND, SD 57059 | AFLAC | $338 | $32 | $370 | 0.38% |
| BILLIJEAN COLFORD3 | 518 RICE AVE GREGORY, SD 57533 | AFLAC | $366 | — | $366 | 0.38% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $296 | — | $296 | 0.30% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $200 | — | $200 | 0.21% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $148 | $15 | $163 | 0.17% |
| ASHLEY DIANE HOLEC3 | 30595 420TH AVE TABOR, SD 57063 | AFLAC | $153 | — | $153 | 0.16% |
| HEATHER ROWE3 | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $126 | $26 | $152 | 0.16% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $147 | — | $147 | 0.15% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $139 | — | $139 | 0.14% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $130 | — | $130 | 0.13% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $112 | — | $112 | 0.12% |
| WENDY J SWANSON3 | 35111 260TH ST PUKWANA, SD 57370 | AFLAC | $97 | — | $97 | 0.10% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $86 | $8 | $94 | 0.10% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $72 | — | $72 | 0.07% |
| CHARLES J MEHLBRECH3 | 230 E CENTER AVE SALEM, SD 57058 | AFLAC | $65 | — | $65 | 0.07% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $58 | — | $58 | 0.06% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $57 | — | $57 | 0.06% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $47 | $2 | $49 | 0.05% |
| B LOUISE FAUST3 | 4870 50TH AVE ALTA, IA 51002 | AFLAC | $47 | — | $47 | 0.05% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $46 | — | $46 | 0.05% |
| MARK E POPE3 | 2102 E ERSKINE ST PIERRE, SD 57501 | AFLAC | $45 | — | $45 | 0.05% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $44 | — | $44 | 0.05% |
| SUSAN R WIRTH3 | 45775 293RD ST VIBORG, SD 57070 | AFLAC | $43 | — | $43 | 0.04% |
| DONNA K BYE3 | 2326 S LAKEPORT ST SIOUX CITY, IA 51106 | AFLAC | $43 | — | $43 | 0.04% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $39 | — | $39 | 0.04% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $33 | — | $33 | 0.03% |
| ERICA HAZELTON3 | 1313 S PARKVIEW BLVD BRANDON, SD 57005 | AFLAC | $27 | $6 | $33 | 0.03% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $31 | — | $31 | 0.03% |
| STENGRIM INS INC3 | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $30 | — | $30 | 0.03% |
| JOSEPH A SORENSEN3 | 4954 S 174TH ST OMAHA, NE 68135 | AFLAC | $30 | — | $30 | 0.03% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $27 | $2 | $29 | 0.03% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $28 | — | $28 | 0.03% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $27 | — | $27 | 0.03% |
| TARA G WEEMAN3 | 1021 S COURTLAND ST CHAMBERLAIN, SD 57325 | AFLAC | $27 | — | $27 | 0.03% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | AFLAC | $26 | — | $26 | 0.03% |
| DAVID R HOPKINS3 | PO BOX 555 SPIRIT LAKE, IA 51360 | AFLAC | $25 | — | $25 | 0.03% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $23 | — | $23 | 0.02% |
| CARRIE A MITCHELL3 | 2525 N ALBERTA TRL TEA, SD 57064 | AFLAC | $22 | — | $22 | 0.02% |
| MARGARET A TURNER3 | 5201 S GLEN HAVEN PL SIOUX FALLS, SD 57108 | AFLAC | $22 | — | $22 | 0.02% |
| DAWN A BRADLEY3 | 2204 EVERGREEN DR KASOTA, MN 56050 | AFLAC | $21 | — | $21 | 0.02% |
| ROBERT L VALENTINE3 | 101 RICHARD ST YANKTON, SD 57078 | AFLAC | $21 | — | $21 | 0.02% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $14 | — | $14 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 8404 W CENTER RD STE 112 OMAHA, NE 68124 | AFLAC | $13 | — | $13 | 0.01% |
| KAY JOHNSON3 | 1815 FLAG MOUNTAIN DR PIERRE, SD 57501 | AFLAC | $13 | — | $13 | 0.01% |
| DAKOTAH GOLD INSURANCE INC3 | PO BOX 50 VOLGA, SD 57071 | AFLAC | $13 | — | $13 | 0.01% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $11 | — | $11 | 0.01% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $10 | — | $10 | 0.01% |
| HOWARD E WINSTEAD3 | PO BOX 944 RAPID CITY, SD 57709 | AFLAC | $10 | — | $10 | 0.01% |
| VILEY REED3 | 101 W PROSPECT AVE APT 16 PIERRE, SD 57501 | AFLAC | $9 | — | $9 | 0.01% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $9 | — | $9 | 0.01% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $9 | — | $9 | 0.01% |
| MELODY B THOMPSON3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $8 | — | $8 | 0.01% |
| KAREN A BACON3 | 1 SCARBOROUGH LN BELLA VISTA, AR 72715 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.01% |
| PAUL L LASLEY3 | PO BOX 242 ALEXANDRIA, SD 57311 | AFLAC | $6 | — | $6 | 0.01% |
| MOLLY M HARVEY3 | 807 N WASHINGTON AVE SAINT PETER, MN 56082 | AFLAC | $6 | — | $6 | 0.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.01% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $5 | — | $5 | 0.01% |
| DIA LLC3 | 520 6TH ST BROOKINGS, SD 57006 | AFLAC | $5 | — | $5 | 0.01% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $5 | — | $5 | 0.01% |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $5 | — | $5 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $5 | — | $5 | 0.01% |
| VIRGINIA HOLMES3 | 1404 S GORDON DR SIOUX FALLS, SD 57110 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW D DRESDEN3 | PO BOX 915 HARTINGTON, NE 68739 | AFLAC | $4 | — | $4 | 0.00% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $2 | — | $2 | 0.00% |
| MARK T IBIS3 | 6300 S OLD VILLAGE PL STE 204 SIOUX FALLS, SD 57108 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $2 | — | $2 | 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% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUTIE 425 MINNEAPOLIS, MN 55439 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 19.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | -$6K | — | -$6K | -9.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.69% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 509 | $228K |
| Vision | STANDARD INSURANCE COMPANY | 173 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 343 | $108K |
| Long-term disability | STANDARD INSURANCE COMPANY | 346 | $66K |
| Other(3 contracts, 3 carriers) | AFLAC | 365 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
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.