| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERETT STRONG CARVER INSURANCE INC | 3202 W MAIN ST STE B RAPID CITY, SD 57702 | DELTA DENTAL OF SOUTH DAKOTA | $4K | $0 | $4K | 1.21% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $10K | $179 | $10K | 9.31% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $3K | $42 | $3K | 2.46% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $57 | $2K | 1.89% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $779 | $42 | $821 | 0.73% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $400 | $0 | $400 | 0.36% |
| SCOTT C OLSEN | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $379 | $0 | $379 | 0.34% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $310 | $0 | $310 | 0.28% |
| SUSAN L SOEHREN3 | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $205 | $23 | $228 | 0.20% |
| DENISE M ERICKSON3 | 24012 BRIDLE RIDGE RD RAPID CITY, SD 57701 | AFLAC | $207 | $0 | $207 | 0.18% |
| JACLYN ROSE MANN3 | 6716 DUNSMORE RD RAPID CITY, SD 57702 | AFLAC | $194 | $0 | $194 | 0.17% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $180 | $10 | $190 | 0.17% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $190 | $0 | $190 | 0.17% |
| PATSY ROBERTSON3 | 32239 PONDEROSA DR # 29 BURBANK, SD 57010 | AFLAC | $180 | $0 | $180 | 0.16% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $137 | $0 | $137 | 0.12% |
| BROOKE A GEDDES3 | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $129 | $0 | $129 | 0.11% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $112 | $0 | $112 | 0.10% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $109 | $0 | $109 | 0.10% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $107 | $0 | $107 | 0.10% |
| PATTI L MOLSTAD3 | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $106 | $0 | $106 | 0.09% |
| CAROL A BENDER3 | 2009 W WHEELER AVE LOT 130 ARANSAS PASS, TX 78336 | AFLAC | $103 | $0 | $103 | 0.09% |
| JO ANN HEATH3 | 23525 298TH ST CODY, NE 69211 | AFLAC | $75 | $0 | $75 | 0.07% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $72 | $0 | $72 | 0.06% |
| BETH A GOODWIN3 | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $62 | $5 | $67 | 0.06% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $62 | $0 | $62 | 0.06% |
| AMANDA JEAN WEBSTER3 | 13016 ADVENTURE CT GLENHAM, SD 57631 | AFLAC | $57 | $0 | $57 | 0.05% |
| MATAYA L NABER3 | 3809 W TECHNOLOGY CIR SIOUX FALLS, SD 57106 | AFLAC | $57 | $0 | $57 | 0.05% |
| TIARA BOUTTE3 | 4695 CAROL ST RAPID CITY, SD 57703 | AFLAC | $53 | $0 | $53 | 0.05% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $48 | $0 | $48 | 0.04% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $48 | $0 | $48 | 0.04% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $45 | $0 | $45 | 0.04% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $45 | $0 | $45 | 0.04% |
| MIDWEST EMPLOYEE BENEFITS INC3 Filed as: MIDWEST EMPLOYEE BENEFITS | 5000 S MAC ARTHUR LN STE 103 SIOUX FALLS, SD 57108 | AFLAC | $44 | $0 | $44 | 0.04% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $39 | $0 | $39 | 0.03% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $37 | $0 | $37 | 0.03% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $36 | $0 | $36 | 0.03% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $35 | $0 | $35 | 0.03% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $34 | $0 | $34 | 0.03% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $28 | $0 | $28 | 0.02% |
| JODY L WALK3 | 35689 ROSE MOSS AVE LEESBURG, FL 34788 | AFLAC | $26 | $0 | $26 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $25 | $0 | $25 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $24 | $0 | $24 | 0.02% |
| CHARLES M WHEELER3 | 14950 W HILLS VIEW DR PIEDMONT, SD 57769 | AFLAC | $23 | $0 | $23 | 0.02% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $22 | $0 | $22 | 0.02% |
| MONICA S KINNER3 | 7212 W 65TH ST SIOUX FALLS, SD 57106 | AFLAC | $18 | $0 | $18 | 0.02% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $18 | $0 | $18 | 0.02% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $17 | $0 | $17 | 0.02% |
| CASSIDY A GOLDSTINE3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $17 | $0 | $17 | 0.02% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L EGEBERG | PO BOX 297 BURLINGTON, ND 58722 | AFLAC | $14 | $0 | $14 | 0.01% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $13 | $0 | $13 | 0.01% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $13 | $0 | $13 | 0.01% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUS FALLS, SD 57108 | AFLAC | $12 | $0 | $12 | 0.01% |
| DAVID A LYSNE3 | 1426 24TH AVE S MOORHEAD, MN 56560 | AFLAC | $11 | $0 | $11 | 0.01% |
| JOHN C JENSEN3 | 4792 HARVEST DR S FARGO, ND 58104 | AFLAC | $11 | $0 | $11 | 0.01% |
| CAROL M PERRIGO3 | 12197 GREENS VIEW CT CUSTER, SD 57730 | AFLAC | $10 | $0 | $10 | 0.01% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $9 | $0 | $9 | 0.01% |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $7 | $0 | $7 | 0.01% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $7 | $0 | $7 | 0.01% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $7 | $0 | $7 | 0.01% |
| JUSTIN J SARGENT3 | 516 TRIPLE L LOOP SPEARFISH, SD 57783 | AFLAC | $6 | $0 | $6 | 0.01% |
| LANCE D THORSON3 | 6745 N 93RD AVE UNIT 1154 GLENDALE, AZ 85305 | AFLAC | $6 | $0 | $6 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $6 | $0 | $6 | 0.01% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $6 | $0 | $6 | 0.01% |
| GLENDA JO BOHLMANN3 | PO BOX 87 MENNO, SD 57045 | AFLAC | $6 | $0 | $6 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $6 | $0 | $6 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $6 | $0 | $6 | 0.01% |
| JEREMY E GUTHMILLER3 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $3 | $0 | $3 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | $0 | $1 | 0.00% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $747 | $10K | 16.25% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $548 | $5K | 10.83% |
| WESTERN BENEFITS GROUP INC3 | PO BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $217 | $1K | 14.81% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 689 | $334K |
| Vision | AFLAC | 132 | $112K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 353 | $181K |
| Short-term disability | AFLAC | 132 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $44K |
| Other(3 contracts, 2 carriers) | AFLAC | 353 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.