| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARVER INSURANCE, INC.3 Filed as: CARVER INSURANCE INC | 3202 W MAIN ST STE B RAPID CITY, SD 57702 | DELTA DENTAL OF SOUTH DAKOTA | $3K | $0 | $3K | 1.03% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $9K | $433 | $10K | 8.05% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $87 | $2K | 1.57% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $125 | $2K | 1.56% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $1K | $190 | $1K | 1.07% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $1K | $0 | $1K | 0.88% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $909 | $0 | $909 | 0.77% |
| PATSY ROBERTSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $688 | $0 | $688 | 0.58% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $490 | $0 | $490 | 0.41% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $413 | $0 | $413 | 0.35% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $284 | $0 | $284 | 0.24% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $265 | $0 | $265 | 0.22% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY RD HERMOSA, SD 57744 | AFLAC | $261 | $0 | $261 | 0.22% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $253 | $0 | $253 | 0.21% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $245 | $0 | $245 | 0.21% |
| DENISE M ERICKSON3 | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $202 | $0 | $202 | 0.17% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $197 | $0 | $197 | 0.17% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $188 | $0 | $188 | 0.16% |
| PATTI L MOLSTAD3 | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $172 | $0 | $172 | 0.15% |
| AMANDA JEAN WEBSTER3 | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $128 | $38 | $166 | 0.14% |
| BETTY L RUSSOW3 Filed as: BETTY L ROSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $148 | $0 | $148 | 0.13% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DR RAPID CITY, SD 57702 | AFLAC | $143 | $0 | $143 | 0.12% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $103 | $0 | $103 | 0.09% |
| JO ANN HEATH3 | 23525 298TH ST CODY, NE 69211 | AFLAC | $90 | $0 | $90 | 0.08% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $79 | $0 | $79 | 0.07% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $68 | $0 | $68 | 0.06% |
| ROBERT W KELLY3 | 2485 BROADMOOR CT RAPID CITY, SD 57702 | AFLAC | $64 | $0 | $64 | 0.05% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $52 | $0 | $52 | 0.04% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DR PIEDMONT, SD 57769 | AFLAC | $46 | $0 | $46 | 0.04% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $46 | $0 | $46 | 0.04% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $45 | $0 | $45 | 0.04% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $39 | $0 | $39 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $39 | $0 | $39 | 0.03% |
| SUSAN L SOEHREN3 | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $37 | $0 | $37 | 0.03% |
| LEO JENNINGS3 | 500 LOCHER RD TOUCHET, WA 99360 | AFLAC | $29 | $0 | $29 | 0.02% |
| JODY L WALK3 Filed as: JODY L L WALK | 30207 CHEVAL ST MOUNT DORA, FL 32757 | AFLAC | $27 | $0 | $27 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $26 | $0 | $26 | 0.02% |
| DESIREE J MENDEL3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $24 | $0 | $24 | 0.02% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.02% |
| PEGGY L CAZIER3 | PO BOX 1574 WALLA WALLA, WA 99362 | AFLAC | $16 | $0 | $16 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 | PO BOX 297 900 JOHNSON ST BURLINGTON, ND 58722 | AFLAC | $15 | $0 | $15 | 0.01% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $14 | $0 | $14 | 0.01% |
| KENNETH J LENOUE3 | 1001 21ST AVE S FARGO, ND 58103 | AFLAC | $14 | $0 | $14 | 0.01% |
| AWS INC3 | 1919 W 5TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $14 | $0 | $14 | 0.01% |
| DAVID A LYSNE3 | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $13 | $0 | $13 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $11 | $0 | $11 | 0.01% |
| MIDWEST AGENTS OF INS INC3 | 2669 CAVERN RD RAPID CITY, SD 57702 | AFLAC | $10 | $0 | $10 | 0.01% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $9 | $0 | $9 | 0.01% |
| SHERRIE JANE NELSON3 | 3002 S VANCOUVER ST KENNEWICK, WA 99337 | AFLAC | $8 | $0 | $8 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $7 | $0 | $7 | 0.01% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $5 | $0 | $5 | 0.00% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $5 | $0 | $5 | 0.00% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $5 | $0 | $5 | 0.00% |
| DIXIE D SIMON3 | 509 N SHAMROCK RD SPOKANE VALLEY, WA 99037 | AFLAC | $4 | $0 | $4 | 0.00% |
| JEREMY E GUTHMILLER3 | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $3 | $0 | $3 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $2 | $0 | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $2 | $0 | $2 | 0.00% |
| SANDRA K GUENOT3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $1 | $0 | $1 | 0.00% |
| TIMOTHY L CASS3 | PO BOX 1211 PIERRE, SD 57501 | AFLAC | $1 | $0 | $1 | 0.00% |
| KRISTEN SUE PLAISANCE3 | 11315 E 12TH AVE SPOKANE VALLEY, WA 99206 | AFLAC | $1 | $0 | $1 | 0.00% |
| SARA KNEIP3 | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC | $0 | $0 | $0 | 0.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $611 | $8K | 16.25% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $571 | $5K | 10.50% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 654 | $311K |
| Vision | AFLAC | 148 | $118K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 214 | $167K |
| Short-term disability | AFLAC | 148 | $118K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 148 | $164K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.