| 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 | 1.25% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $9K | $754 | $10K | 7.67% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $2K | $151 | $2K | 1.89% |
| AMBER MARIE LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $2K | $193 | $2K | 1.69% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE ROAD RAPID CITY, SD 57702 | AFLAC | $1K | $131 | $1K | 1.02% |
| SCOTT C OLSEN3 | 4132 CARMEL POINT RAPID CITY, SD 57702 | AFLAC | $647 | $0 | $647 | 0.51% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LANE RAPID CITY, SD 57702 | AFLAC | $519 | $0 | $519 | 0.41% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE STREET STE 101 RAPID CITY, SD 57703 | AFLAC | $439 | $0 | $439 | 0.34% |
| PATSY ROBERTSON3 | PO BOX 438 NEW UNDERWOOD, SD 57761 | AFLAC | $400 | $0 | $400 | 0.31% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $357 | $0 | $357 | 0.28% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DRIVE RAPID CITY, SD 57702 | AFLAC | $305 | $45 | $350 | 0.27% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DRIVE WATERTOWN, SD 57201 | AFLAC | $195 | $0 | $195 | 0.15% |
| BROOKE A GEDDES3 | 705 PRO RODEO DRIVE SPEARFISH, SD 57783 | AFLAC | $189 | $0 | $189 | 0.15% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY S STE C FARGO, ND 58104 | AFLAC | $182 | $0 | $182 | 0.14% |
| DENISE M ERICKSON3 | 2736 LAS VENTANAS TRAIL FT WORTH, TX 76131 | AFLAC | $179 | $0 | $179 | 0.14% |
| KEVIN B VINING3 | 47269 255TH STREET RENNER, SD 57055 | AFLAC | $178 | $0 | $178 | 0.14% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $165 | $0 | $165 | 0.13% |
| PATTI L MOLSTAD3 | 433 MINNESOTA STREET RAPID CITY, SD 57701 | AFLAC | $151 | $0 | $151 | 0.12% |
| CAROL A BENDER3 | 2969 ATLANTIC BLVD APT 1218 INGLESIDE, TX 78362 | AFLAC | $142 | $0 | $142 | 0.11% |
| AMANDA JEAN WEBSTER3 | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $129 | $0 | $129 | 0.10% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $90 | $15 | $105 | 0.08% |
| JO ANN HEATH3 | 23525 298TH STREET CODY, NE 69211 | AFLAC | $98 | $0 | $98 | 0.08% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $88 | $0 | $88 | 0.07% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LANE WATERTOWN, SD 57201 | AFLAC | $85 | $0 | $85 | 0.07% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $80 | $0 | $80 | 0.06% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $79 | $0 | $79 | 0.06% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $73 | $0 | $73 | 0.06% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $64 | $0 | $64 | 0.05% |
| KLM VENTURES LLC3 | PO BOX 9367 RAPID CITY, SD 57709 | AFLAC | $60 | $0 | $60 | 0.05% |
| LANCE E SULLIVAN3 | 3619 SANWOOD STREET LAS VEGAS, NV 89147 | AFLAC | $53 | $0 | $53 | 0.04% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $53 | $0 | $53 | 0.04% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $52 | $0 | $52 | 0.04% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DRIVE PIEDMONT, SD 57769 | AFLAC | $48 | $0 | $48 | 0.04% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LANE BOZEMAN, MT 59718 | AFLAC | $47 | $0 | $47 | 0.04% |
| SUSAN L SOEHREN3 | 540 VIKING DRIVE RAPID CITY, SD 57701 | AFLAC | $42 | $0 | $42 | 0.03% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $42 | $0 | $42 | 0.03% |
| JODY L WALK3 | 30207 CHEVAL STREET MOUNT DORA, FL 32757 | AFLAC | $39 | $0 | $39 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $35 | $0 | $35 | 0.03% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $30 | $0 | $30 | 0.02% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $28 | $0 | $28 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVENUE RAPID CITY, SD 57701 | AFLAC | $27 | $0 | $27 | 0.02% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.01% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $11 | $3 | $14 | 0.01% |
| DAVID A LYSNE3 | 1426 24TH AVENUE S MOORHEAD, MN 56560 | AFLAC | $14 | $0 | $14 | 0.01% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVENUE SE MINOT, ND 58701 | AFLAC | $14 | $0 | $14 | 0.01% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER ROAD LESTERVILLE, SD 57040 | AFLAC | $13 | $0 | $13 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L EGEBERG | PO BOX 297 BURLINGTON, ND 58722 | AFLAC | $12 | $0 | $12 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $10 | $0 | $10 | 0.01% |
| ROBIN R NEFZGER3 | 524 W LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $9 | $0 | $9 | 0.01% |
| JEREMY L TOMLINSON3 | 8465 WINCHESTER DRIVE BOISE, ID 83704 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $9 | $0 | $9 | 0.01% |
| JUSTIN J SARGENT3 | 1942 ABSAROKA STREET SPEARFISH, SD 57783 | AFLAC | $8 | $0 | $8 | 0.01% |
| JOHN C JENSEN3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $8 | $0 | $8 | 0.01% |
| TAMARA WILLIAMS3 | 5409 CANNA COURT PORT ORANGE, FL 32128 | AFLAC | $8 | $0 | $8 | 0.01% |
| LANCE D THORSON3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $7 | $0 | $7 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DRIVE BISMARCK, ND 58503 | AFLAC | $7 | $0 | $7 | 0.01% |
| MONICA S KINNER3 | 7212 W 65TH STREET SIOUX FALLS, SD 57106 | AFLAC | $6 | $0 | $6 | 0.00% |
| AWS INC3 | 1919 W 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $6 | $0 | $6 | 0.00% |
| GLENDA JO BOHLMANN3 | PO BOX 87 MENNO, SD 57045 | AFLAC | $6 | $0 | $6 | 0.00% |
| JEREMY E GUTHMILLER3 | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $4 | $0 | $4 | 0.00% |
| NICHOLE L EGEBERG BERNSDORF3 | PO BOX 297 900 JOHNSON STREET BURLINGTON, ND 58722 | AFLAC | $4 | $0 | $4 | 0.00% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $4 | $0 | $4 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVENUE E SAINT PAUL, MN 55106 | AFLAC | $3 | $0 | $3 | 0.00% |
| TIMOTHY L CASS3 | 227 NELTOM DRIVE PIERRE, SD 57501 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | $0 | $1 | 0.00% |
| SANDRA K GUENOT3 | 1501 CENTRE STREET STE 101 RAPID CITY, SD 57703 | AFLAC | $0 | $0 | $0 | 0.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $644 | $8K | 16.22% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $552 | $5K | 10.80% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 655 | $307K |
| Vision | AFLAC | 131 | $128K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 205 | $179K |
| Short-term disability | AFLAC | 131 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $44K |
| Other(2 contracts, 2 carriers) | AFLAC | 205 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.