| 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 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $9K | $100 | $9K | 7.37% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $24 | $2K | 1.98% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $23 | $2K | 1.60% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $1K | $0 | $1K | 0.93% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $491 | $0 | $491 | 0.39% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $481 | $0 | $481 | 0.39% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $391 | $0 | $391 | 0.31% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $290 | $0 | $290 | 0.23% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $279 | $0 | $279 | 0.22% |
| PATSY ROBERTSON3 | 5009 E SD HIGHWAY 50 VERMILLION, SD 57069 | AFLAC | $248 | $0 | $248 | 0.20% |
| DENISE M ERICKSON3 | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $230 | $0 | $230 | 0.18% |
| BROOKE A GEDDES3 | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $175 | $0 | $175 | 0.14% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $172 | $0 | $172 | 0.14% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $165 | $0 | $165 | 0.13% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $154 | $0 | $154 | 0.12% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $150 | $0 | $150 | 0.12% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $143 | $0 | $143 | 0.11% |
| PATTI L MOLSTAD3 | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $112 | $0 | $112 | 0.09% |
| SUSAN L SOEHREN3 | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $107 | $0 | $107 | 0.09% |
| JO ANN HEATH3 | 23525 298TH ST CODY, NE 69211 | AFLAC | $90 | $0 | $90 | 0.07% |
| AMANDA JEAN WEBSTER3 | 4011 YUCCA DR APT B RAPID CITY, SD 57702 | AFLAC | $85 | $0 | $85 | 0.07% |
| CAROL A BENDER3 | 2969 ATLANTIC BLVD APT 1114 INGLESIDE, TX 78362 | AFLAC | $80 | $0 | $80 | 0.06% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $78 | $0 | $78 | 0.06% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $73 | $0 | $73 | 0.06% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $63 | $0 | $63 | 0.05% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $60 | $0 | $60 | 0.05% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $56 | $0 | $56 | 0.04% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $49 | $0 | $49 | 0.04% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $49 | $0 | $49 | 0.04% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DR PIEDMONT, SD 57769 | AFLAC | $46 | $0 | $46 | 0.04% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $46 | $0 | $46 | 0.04% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $39 | $0 | $39 | 0.03% |
| CAROL A BENDER3 | 2009 W WHEELER AVE LOT 130 ARANSAS PASS, TX 78336 | AFLAC | $39 | $0 | $39 | 0.03% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $39 | $0 | $39 | 0.03% |
| JODY L WALK3 | 35689 ROSE MOSS AVE LEESBURG, FL 34788 | AFLAC | $35 | $0 | $35 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $31 | $0 | $31 | 0.02% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $28 | $0 | $28 | 0.02% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $28 | $0 | $28 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $26 | $0 | $26 | 0.02% |
| MONICA S KINNER3 | 7212 W 65TH ST SIOUX FALLS, SD 57106 | AFLAC | $18 | $0 | $18 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.01% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $18 | $0 | $18 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L EGEBERG | PO BOX 297 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% |
| DAVID A LYSNE3 | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $13 | $0 | $13 | 0.01% |
| JOHN C JENSEN3 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $12 | $0 | $12 | 0.01% |
| BETH A GOODWIN3 | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $12 | $0 | $12 | 0.01% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $11 | $0 | $11 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $9 | $0 | $9 | 0.01% |
| JUSTIN J SARGENT3 | 20771 MAITLAND RD LEAD, SD 57754 | AFLAC | $9 | $0 | $9 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $9 | $0 | $9 | 0.01% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $8 | $0 | $8 | 0.01% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $8 | $0 | $8 | 0.01% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $8 | $0 | $8 | 0.01% |
| TIMOTHY L CASS3 | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $7 | $0 | $7 | 0.01% |
| GLENDA JO BOHLMANN3 | PO BOX 87 MENNO, SD 57045 | AFLAC | $7 | $0 | $7 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $7 | $0 | $7 | 0.01% |
| KLM VENTURES LLC3 | PO BOX 9367 RAPID CITY, SD 57709 | AFLAC | $7 | $0 | $7 | 0.01% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $6 | $0 | $6 | 0.00% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $6 | $0 | $6 | 0.00% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $5 | $0 | $5 | 0.00% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $4 | $0 | $4 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $3 | $0 | $3 | 0.00% |
| JEREMY E GUTHMILLER3 | PO BOX 24 PETTIBONE, ND 58475 | AFLAC | $3 | $0 | $3 | 0.00% |
| TAMARA WILLIAMS3 | 5409 CANNA CT PORT ORANGE, FL 32128 | AFLAC | $2 | $0 | $2 | 0.00% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR 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 | $7K | $596 | $8K | 16.25% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $567 | $5K | 10.57% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 672 | $320K |
| Vision | AFLAC | 139 | $125K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 382 | $173K |
| Short-term disability | AFLAC | 139 | $125K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $45K |
| Other(3 contracts, 2 carriers) | AFLAC | 382 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.