| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - RJF DIVIS | 33213 COLLECTION CENTER DR CHICAGO, IL 606930331 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $25K | — | $25K | 1.49% |
| DAN MAGUIRE BLACK HILLS INS AGENCY3 | 820 ST JOSEPH ST PO BOX 3330 RAPID CITY, SD 57709 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.93% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $7K | $225 | $7K | 9.21% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $2K | — | $2K | 2.55% |
| AMBER MARIE LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $1K | $44 | $2K | 1.95% |
| JENNIFER RENAE HAASE3 | 614 7TH AVE BELLE FOURCHE, SD 57717 | AFLAC | $1K | — | $1K | 1.39% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $645 | — | $645 | 0.82% |
| JACLYN ROSE MANN3 | 6716 DUNSMORE RD RAPID CITY, SD 57702 | AFLAC | $314 | — | $314 | 0.40% |
| DANIELLE MARIE NOSBUSH3 | 410 PROSPECT AVE GARY, SD 57237 | AFLAC | $285 | — | $285 | 0.36% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $251 | — | $251 | 0.32% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $234 | — | $234 | 0.30% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $170 | $13 | $183 | 0.23% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LANE BOZEMAN, MT 59718 | AFLAC | $124 | — | $124 | 0.16% |
| BROOKE A GEDDES3 | 592 BUTTERCUP CT SPEARFISH, SD 57783 | AFLAC | $124 | — | $124 | 0.16% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $118 | — | $118 | 0.15% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $110 | — | $110 | 0.14% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $106 | — | $106 | 0.13% |
| PATRICK O'LEARY3 | 203 W BRIDGE STREET REDWOOD FALLS, MN 56283 | AFLAC | $88 | — | $88 | 0.11% |
| KAYLA ANN SCHAD3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $84 | — | $84 | 0.11% |
| MELISSA STUART INC3 | 6700 DEEREWOOD LN BISMARCK, ND 58503 | AFLAC | $83 | — | $83 | 0.11% |
| SHAWN D BENSER3 | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $73 | — | $73 | 0.09% |
| DALE N BERG3 | 596 MAIN ST DEADWOOD, SD 57732 | AFLAC | $66 | — | $66 | 0.08% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $60 | $4 | $64 | 0.08% |
| THEODORE W HONKE3 | 29478 US HWY 281 LAKE ANDES, SD 57356 | AFLAC | $63 | — | $63 | 0.08% |
| GLORIA J MAHER3 | 213 N LAKE AVE SIOUX FALLS, SD 57104 | AFLAC | $62 | — | $62 | 0.08% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $57 | — | $57 | 0.07% |
| MICHAEL BOLGER3 | 128 WOODLAND DR. MADISON, SD 57042 | AFLAC | $46 | — | $46 | 0.06% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $39 | — | $39 | 0.05% |
| KYLE D SULLIVAN3 | PO BOX 2290 MILLS, WY 82644 | AFLAC | $36 | — | $36 | 0.05% |
| BLW INC3 | 4840 AMBER VALLEY PKWY S, STE. C FARGO, ND 58104 | AFLAC | $35 | — | $35 | 0.04% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $30 | — | $30 | 0.04% |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $28 | $2 | $30 | 0.04% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $28 | — | $28 | 0.04% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $26 | — | $26 | 0.03% |
| TERRY L JENSEN3 | 32822 TURTLE SHORE LN UNDERWOOD, MN 56586 | AFLAC | $21 | — | $21 | 0.03% |
| ERIC GRAHAM3 Filed as: ERIC R GRAHAM | PO BOX 97 CASPER, WY 82602 | AFLAC | $18 | — | $18 | 0.02% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $17 | — | $17 | 0.02% |
| KATE PALCZEWSKI INC3 Filed as: KATE PALCZEWSKI | 2840 PROMONTORY DR BISMARCK, ND 58503 | AFLAC | $16 | — | $16 | 0.02% |
| BRICE L CAMPBELL3 | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | AFLAC | $16 | — | $16 | 0.02% |
| KEVIN C ARMSTRONG3 | 4027 WEST FAIDLEY AVE GRAND ISLAND, NE 68803 | AFLAC | $15 | — | $15 | 0.02% |
| STENGRIM INS INC3 | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $14 | — | $14 | 0.02% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $12 | $2 | $14 | 0.02% |
| AWS INC3 | 1919 WEST 57TH STREET. STE. 101 SIOUX FALLS, SD 57108 | AFLAC | $13 | — | $13 | 0.02% |
| THOMAS L STENGRIM3 | 2656 S ARLINGTON RD STE D AKRON, OH 44319 | AFLAC | $12 | — | $12 | 0.02% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $12 | — | $12 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $11 | — | $11 | 0.01% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $9 | — | $9 | 0.01% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM W ARMSTRONG3 | P O BOX 448 OGALLALA, NE 69153 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LANE PASCO, WA 99301 | AFLAC | $9 | — | $9 | 0.01% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARK, ND 58504 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 US HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $7 | — | $7 | 0.01% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $7 | — | $7 | 0.01% |
| PATSY ROBERTSON3 | 32239 PONDEROSA DR 29 BURBANK, SD 57010 | AFLAC | $6 | — | $6 | 0.01% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $6 | — | $6 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $6 | — | $6 | 0.01% |
| ANGELA SYCKS3 Filed as: ANGELA MARIE SYCKS | 4606 SOUTHWESTERN DR WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS L STENGRIM3 | 2656 S ARLINGTON RD STE D AKRON, OH 44319 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES D NICHOL3 | 520 WELLINGTON COURT WEST FARGO, ND 58078 | AFLAC | $5 | — | $5 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $4 | — | $4 | 0.01% |
| KATE PALCZEWSKI INC3 | 2840 PROMONTORY DR BISMARK, ND 58503 | AFLAC | $4 | — | $4 | 0.01% |
| CARRIE PALCZEWSKI3 | 1710 BURNT BOAT DR STE 2 BISMARK, ND 58503 | AFLAC | $4 | — | $4 | 0.01% |
| CYNTHIA D WELKEN-PLACE3 | 5335 S RANGER TRL GILBERT, AZ 85298 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS L STENGRIM3 | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $3 | — | $3 | 0.00% |
| BRIDGETT SCHAPP3 | 3131 BALTUS DR BISMARK, ND 58501 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDON JAROM DAW3 | 2174 IRENE LN IDAHO FALLS, ID 83404 | AFLAC | $2 | — | $2 | 0.00% |
| CORY L CAMPBELL3 | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $1 | — | $1 | 0.00% |
| FRANCES OSTERMEIER3 Filed as: FRANCES A OSTERMEIER | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $1 | — | $1 | 0.00% |
| LISA M HALL3 | 686 W MOGUL LOOP 102 HAYDEN, ID 83835 | AFLAC | $1 | — | $1 | 0.00% |
| BOYD COOK3 | 3061 PINNACLE DR IDAHO FALLS, ID 83401 | AFLAC | $1 | — | $1 | 0.00% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC | $1 | — | $1 | 0.00% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DR HARTFORD, SD 57033 | AFLAC | — | — | $0 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST PAUL, MN 55106 | AFLAC | — | — | $0 | 0.00% |
| DAKOTACARE ADMINISTRATIVE SERVICES5 | PO BOX 7406 SIOUX FALLS, SD 57117 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 19.26% |
| SUMMIT REINSURANCE SERVICES INC5 Filed as: SUMMIT REINSURANCE SERVICES | 7030 POINTE INVERNESS WAY STE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $587 | — | $587 | 2.00% |
| BLACK HILLS INSURANCE AGENCY3 Filed as: BLACK HILLS INSURANCE AGENCY, INC | PO BOX 3330 RAPID CITY, SD 57709 | VSP VISON SERVICE PLAN | $983 | — | $983 | 5.94% |
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 | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 67 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF SOUTH DAKOTA | 157 | $161K |
| Vision(2 contracts, 2 carriers) | AFLAC | 66 | $95K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 143 | $108K |
| Short-term disability | AFLAC | 66 | $79K |
| Other(2 contracts, 2 carriers) | AFLAC | 143 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.