| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: STU HAMANN NORTH RISK PARTNERS LLC | 825 COLUMBUS ST STE 2 RAPID CITY, SD 57701 | DELTA DENTAL OF SOUTH DAKOTA | $4K | $0 | $4K | 1.28% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $11K | $446 | $11K | 11.96% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $3K | $88 | $3K | 3.02% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | $88 | $2K | 2.28% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $907 | — | $907 | 0.97% |
| KAYLA ANN SCHAD3 Filed as: KAYLA ANN SHAD | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $321 | — | $321 | 0.34% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $234 | — | $234 | 0.25% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $228 | — | $228 | 0.24% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $174 | — | $174 | 0.19% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $133 | — | $133 | 0.14% |
| PATTI L MOLSTAD3 | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $129 | — | $129 | 0.14% |
| DENISE M ERICKSON3 | 24012 BRIDLE RIDGE RD RAPID CITY, SD 57701 | AFLAC | $108 | — | $108 | 0.12% |
| PATSY ROBERTSON3 | 32239 PONDEROSA DR #29 BURBANK, SD 57010 | AFLAC | $92 | — | $92 | 0.10% |
| ACRIPOINT LLC3 | 3329 HOGAN CT RAPID CITY, SD 57702 | AFLAC | $80 | — | $80 | 0.09% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $75 | — | $75 | 0.08% |
| JACLYN ROSE MANN3 | 6716 DUNSMORE RD RAPID CITY, SD 57702 | AFLAC | $73 | — | $73 | 0.08% |
| BROOKE A GEDDES3 | 592 BUTTERCUP CT SPEARFISH, SD 57783 | AFLAC | $73 | — | $73 | 0.08% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $72 | — | $72 | 0.08% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $65 | — | $65 | 0.07% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $60 | — | $60 | 0.06% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $57 | — | $57 | 0.06% |
| SHAWN D BENSER3 | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $55 | — | $55 | 0.06% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $51 | — | $51 | 0.05% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $47 | — | $47 | 0.05% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $47 | — | $47 | 0.05% |
| SUSAN L SOEHREN3 | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $43 | — | $43 | 0.05% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $41 | — | $41 | 0.04% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $35 | — | $35 | 0.04% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $33 | — | $33 | 0.04% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $30 | — | $30 | 0.03% |
| BETH A GOODWIN3 | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.03% |
| AMANDA JEAN WEBSTER3 | 13016 ADVENTURE CT GLENHAM, SD 57631 | AFLAC | $28 | — | $28 | 0.03% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $23 | — | $23 | 0.02% |
| STEVEN A JOHNSON3 | 713 SAGE AVE RAPID CITY, SD 57701 | AFLAC | $21 | — | $21 | 0.02% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $20 | — | $20 | 0.02% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $17 | — | $17 | 0.02% |
| SHARIE LEE FISCHER3 | 5015 ROBERTS CT RAPID CITY, SD 57703 | AFLAC | $13 | — | $13 | 0.01% |
| MATAYA L NABER3 | 3809 W TECHNOLOGY CIR SIOUX FALLS, SD 57106 | AFLAC | $13 | — | $13 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $13 | — | $13 | 0.01% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $12 | — | $12 | 0.01% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L EGEBERG | PO BOX 297 BURLINGTON, ND 58722 | AFLAC | $12 | — | $12 | 0.01% |
| CHARLES M WHEELER3 | 3812 TWISTED OAK RD STURGIS, SD 57785 | AFLAC | $12 | — | $12 | 0.01% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $12 | — | $12 | 0.01% |
| KARLA M TROWBRIDGE3 | 1609 35TH AVE SE MINOT, ND 58701 | AFLAC | $11 | — | $11 | 0.01% |
| JOHN C JENSEN3 | 4792 HARVEST DR S FARGO, ND 58104 | AFLAC | $10 | — | $10 | 0.01% |
| JODY L KLUDT3 Filed as: JODY L KLUNDT | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $10 | — | $10 | 0.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 5000 S MAC ARTHUR LN STE 103 SIOUX FALLS, SD 57108 | AFLAC | $10 | — | $10 | 0.01% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $7 | — | $7 | 0.01% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $7 | — | $7 | 0.01% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $6 | — | $6 | 0.01% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $5 | — | $5 | 0.01% |
| GLENDA JO BOHLMANN3 | PO BOX 87 MENNO, SD 57045 | AFLAC | $5 | — | $5 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $5 | — | $5 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 5335 S RANGER TRL GILBERT, AZ 85298 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE D THORSON3 | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.01% |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $2 | — | $2 | 0.00% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN C SIEMONSMA3 | PO BOX 46 WASTA, SD 57791 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | STE 240 622 ROOSEVELT RD ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $190 | $12K | 24.27% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.51% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | STE 240 622 ROOSEVELT RD ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $772 | $772 | 2.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | STE 240 622 ROOSEVELT RD ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $139 | $5K | 16.44% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $844 | $844 | 2.65% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | STE 240 622 ROOSEVELT RD ST CLOUD, MN 56301 | OPTILEGRA, INC | $3K | — | $3K | 10.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | STE 240 622 ROOSEVELT RD ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $829 | — | $829 | 10.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $166 | $166 | 2.00% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 628 | $284K |
| Vision(2 contracts, 2 carriers) | AFLAC | 151 | $125K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 342 | $152K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 121 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $32K |
| Other(3 contracts, 2 carriers) | AFLAC | 342 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.