| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN CARVER Filed as: JOHN CARVER CARVER INSURANCE INC | 3202 WEST MAIN STREET STE B RAPID CITY, SD 57702 | DELTA DENTAL OF SOUTH DAKOTA | $4K | — | $4K | 1.24% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $12K | $549 | $12K | 10.09% |
| WENDY L SWARTZ3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $3K | $110 | $3K | 2.21% |
| AMBER MARIE LIND3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $2K | $122 | $2K | 1.97% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE ROAD RAPID CITY, SD 57702 | AFLAC | $2K | $34 | $2K | 1.48% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $684 | $0 | $684 | 0.56% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LANE RAPID CITY, SD 57702 | AFLAC | $682 | $0 | $682 | 0.55% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $392 | $0 | $392 | 0.32% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $370 | $0 | $370 | 0.30% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DRIVE RAPID CITY, SD 57702 | AFLAC | $328 | $6 | $334 | 0.27% |
| PATSY ROBERTSON3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $287 | $0 | $287 | 0.23% |
| PATSY ROBERTSON3 | PO BOX 438 NEW UNDERWOOD, SD 57761 | AFLAC | $269 | $0 | $269 | 0.22% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $212 | $0 | $212 | 0.17% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DRIVE WATERTOWN, SD 57201 | AFLAC | $200 | $0 | $200 | 0.16% |
| PATTI L MOLSTAD3 | 433 MINNESOTA STREET RAPID CITY, SD 57701 | AFLAC | $168 | $0 | $168 | 0.14% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $168 | $0 | $168 | 0.14% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $150 | $0 | $150 | 0.12% |
| DENISE M ERICKSON3 | 2736 LAS VENTANAS TRAIL FORT WORTH, TX 76131 | AFLAC | $133 | $0 | $133 | 0.11% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $123 | $0 | $123 | 0.10% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $109 | $0 | $109 | 0.09% |
| BROOKE A GEDDES3 | 2492 TUMBLE WEED TRAIL SPEARFISH, SD 57783 | AFLAC | $105 | $0 | $105 | 0.09% |
| AMANDA JEAN WEBSTER3 | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $104 | $0 | $104 | 0.08% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $100 | $0 | $100 | 0.08% |
| CAROL A BENDER3 | 2969 ATLANTIC BLVD APT 1218 INGLESIDE, TX 78362 | AFLAC | $88 | $0 | $88 | 0.07% |
| JO ANN HEATH3 | 23525 298TH STREET CODY, NE 69211 | AFLAC | $83 | $0 | $83 | 0.07% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DRIVE INGLESIDE, TX 78362 | AFLAC | $82 | $0 | $82 | 0.07% |
| RUSSELL C MOLSTAD JR3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $77 | $0 | $77 | 0.06% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $67 | $0 | $67 | 0.05% |
| LANCE E SULLIVAN3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $49 | $0 | $49 | 0.04% |
| SUSAN L SOEHREN3 | 540 VIKING DRIVE RAPID CITY, SD 57701 | AFLAC | $49 | $0 | $49 | 0.04% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LANE BOZEMAN, MT 59718 | AFLAC | $45 | $0 | $45 | 0.04% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $43 | $0 | $43 | 0.03% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $43 | $0 | $43 | 0.03% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DRIVE PIEDMONT, SD 57769 | AFLAC | $43 | $0 | $43 | 0.03% |
| JODY L WALK3 | 30207 CHEVAL STREET MOUNT DORA, FL 32757 | AFLAC | $40 | $0 | $40 | 0.03% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $34 | $0 | $34 | 0.03% |
| ROBERT W KELLY3 | 2485 BROADMOOR COURT RAPID CITY, SD 57702 | AFLAC | $32 | $0 | $32 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $32 | $0 | $32 | 0.03% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $30 | $0 | $30 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $25 | $0 | $25 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD STE A WOODBURY, NY 11797 | AFLAC | $23 | $0 | $23 | 0.02% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LANE WATERTOWN, SD 57201 | AFLAC | $20 | $0 | $20 | 0.02% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.01% |
| AWS INC3 | 1919 W 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $16 | $0 | $16 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 | PO BOX 297 BURLINGTON, ND 58722 | AFLAC | $14 | $0 | $14 | 0.01% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $13 | $0 | $13 | 0.01% |
| DAVID A LYSNE3 | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $12 | $0 | $12 | 0.01% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $12 | $0 | $12 | 0.01% |
| JOHN R WOOLISCROFT3 | 1223 CLIFTON ROAD BETHEL PARK, PA 15102 | AFLAC | $11 | $0 | $11 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $10 | $0 | $10 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $10 | $0 | $10 | 0.01% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $8 | $0 | $8 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA D WELKEN PLACE | 601 CODY DRIVE BISMARCK, ND 58503 | AFLAC | $7 | $0 | $7 | 0.01% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN C JENSEN3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | $0 | $5 | 0.00% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $4 | $0 | $4 | 0.00% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $4 | $0 | $4 | 0.00% |
| GLENDA JO BOHLMANN3 | PO BOX 87 MENNO, SD 57045 | AFLAC | $4 | $0 | $4 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | $0 | $3 | 0.00% |
| JEREMY E GUTHMILLER3 | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $3 | $0 | $3 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $3 | $0 | $3 | 0.00% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRANDI L DONLIN3 Filed as: BRANDI LYNN DONLIN | 525 JUSTUS AVE CARNEGIE, PA 15106 | AFLAC | $2 | $0 | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $2 | $0 | $2 | 0.00% |
| JEREMY L TOMLINSON3 | 2805 N 36TH STREET BOISE, ID 83703 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRENDAN W DEASY3 | 534 WEST 7TH AVE WEST HOMESTEAD, PA 15120 | AFLAC | $1 | $0 | $1 | 0.00% |
| TIMOTHY L CASS3 | 227 NELTOM DRIVE PIERRE, SD 57501 | AFLAC | $1 | $0 | $1 | 0.00% |
| JULIE E BUCCERI3 | 6946 THOMAS BLVD PITTSBURGH, PA 15208 | AFLAC | $1 | $0 | $1 | 0.00% |
| THOMAS J CASSADY3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHANNES C BUBBERT3 | 21346 SAINT ANDREWS BLVD 194 BOCA RATON, FL 33433 | AFLAC | $1 | $0 | $1 | 0.00% |
| MIDWEST AGENTS OF INS INC3 | 2669 CAVERN ROAD RAPID CITY, SD 57702 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHANNES C BUBBERT3 | 488 S GREENE AVE LINDENHURST, NY 11757 | AFLAC | $0 | $0 | $0 | 0.00% |
| SANDRA K GUENOT3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $0 | $0 | $0 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $0 | $0 | $0 | 0.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $612 | $8K | 16.25% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $557 | $5K | 10.82% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| 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 | 653 | $317K |
| Vision | AFLAC | 148 | $123K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 199 | $172K |
| Short-term disability | AFLAC | 148 | $123K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 148 | $168K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.