| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARVER INSURANCE, INC.3 | 3202 W MAIN ST STE B RAPID CITY, SD 57702 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.30% |
| PATSY ROBERTSON3 | PO BOX 438 NEW UNDERWOOD, SD 57761 | AFLAC | $4K | $231 | $4K | 3.95% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $3K | $200 | $3K | 2.56% |
| SCOTT C OLSEN3 | 3534 SAWGRASS CT RAPID CITY, SD 57703 | AFLAC | $2K | $0 | $2K | 1.87% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $1K | $0 | $1K | 1.18% |
| BROOKE A GEDDES3 | 810 N MAIN ST 125 SPEARFISH, SD 57783 | AFLAC | $1K | $104 | $1K | 1.10% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $1K | $113 | $1K | 1.02% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $978 | $46 | $1K | 0.91% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $812 | $9 | $821 | 0.73% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $568 | $78 | $646 | 0.57% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $432 | $114 | $546 | 0.48% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $469 | $0 | $469 | 0.42% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $430 | $0 | $430 | 0.38% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $403 | $0 | $403 | 0.36% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $389 | $0 | $389 | 0.35% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $293 | $0 | $293 | 0.26% |
| DENISE M BORN3 | 711 ENNEN DR RAPID CITY, SD 57703 | AFLAC | $279 | $0 | $279 | 0.25% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $219 | $0 | $219 | 0.19% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $213 | $0 | $213 | 0.19% |
| AMANDA KONOLD3 | 6879 W ELMWOOD DR BLACK HAWK, SD 57718 | AFLAC | $132 | $0 | $132 | 0.12% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $121 | $0 | $121 | 0.11% |
| ROBERT W KELLY3 | 2485 BROADMOOR CT RAPID CITY RAPID CITY, SD 57702 | AFLAC | $84 | $0 | $84 | 0.07% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $73 | $0 | $73 | 0.06% |
| JODY L WALK3 | 4071 W LOXTON LOOP COEUR D ALENDE, ID 83815 | AFLAC | $55 | $0 | $55 | 0.05% |
| WENDY L SWARTZ3 Filed as: WENDY L WITTENBERG | 219 PHILIP DR RAPID CITY, SD 57702 | AFLAC | $48 | $0 | $48 | 0.04% |
| SUSAN L SOEHREN3 | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $40 | $0 | $40 | 0.04% |
| GARY CASE3 Filed as: GARY D CASE | 26201 BERGSAGEL ROAD NE POULSBO, WA 98370 | AFLAC | $31 | $0 | $31 | 0.03% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $28 | $0 | $28 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $28 | $0 | $28 | 0.02% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DR PIEDMONT, SD 57769 | AFLAC | $28 | $0 | $28 | 0.02% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $24 | $0 | $24 | 0.02% |
| NICHOLE L EGEBERG BERNSDORF3 | PO BOX 297 900 JOHNSON STREET BURLINGTON, ND 58722 | AFLAC | $18 | $0 | $18 | 0.02% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $17 | $0 | $17 | 0.02% |
| JO ANN HEATH3 | 23525 298TH ST CODY, NE 69211 | AFLAC | $15 | $0 | $15 | 0.01% |
| AWS INC3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $15 | $0 | $15 | 0.01% |
| KENNETH J LENOUE3 | 1001 21ST AVE S FARGO, ND 58103 | AFLAC | $15 | $0 | $15 | 0.01% |
| DAVID A LYSNE3 | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $14 | $0 | $14 | 0.01% |
| CYNTHIA L SAMUELS3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $12 | $0 | $12 | 0.01% |
| MERLE D BIEBER3 | 13289 HENNING CIRCLE NE PRIOR LAKE, MN 55372 | AFLAC | $10 | $0 | $10 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $8 | $0 | $8 | 0.01% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $6 | $0 | $6 | 0.01% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $6 | $0 | $6 | 0.01% |
| TIMOTHY L CASS3 | PO BOX 1211 PIERRE, SD 57501 | AFLAC | $5 | $0 | $5 | 0.00% |
| JEREMY E GUTHMILLER3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $4 | $0 | $4 | 0.00% |
| SANDRA K GUENOT3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $4 | $0 | $4 | 0.00% |
| MIDWEST AGENTS OF INS INC3 | 3002 SILVER ASPEN PLACE RAPID CITY, SD 57702 | AFLAC | $3 | $0 | $3 | 0.00% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $3 | $0 | $3 | 0.00% |
| CHRIS A GUSTAFSON3 | 928 N DUBUQUE AVE SIOUX FALLS, SD 57110 | AFLAC | $3 | $0 | $3 | 0.00% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $2 | $0 | $2 | 0.00% |
| DIANA J LEE3 | 1907 S SERTOMA AVE #104 SIOUX FALLS, SD 57106 | AFLAC | $2 | $0 | $2 | 0.00% |
| OATHER F TROLDAHL3 | 111 W NORTH ST JANESVILLES, MN 56048 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAMELA A KNEIP3 | 3540 S SPENCER BLVD SIOUX FALLS, SD 57103 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 555 | $254K |
| Vision | AFLAC | 132 | $113K |
| Life insurance | AFLAC | 132 | $113K |
| Short-term disability | AFLAC | 132 | $113K |
| Long-term disability | AFLAC | 132 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.