| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | 1405 ZENIUM LANE NORTH SUITE 140 PLYMOUTH, MN 55441 | NATIONWIDE LIFE INSURANCE COMPANY | $56K | — | $56K | 10.48% |
| FIRST WESTERN INSURANCE AGENCY INC3 Filed as: FIRST WESTERN INSURANCE AGENCY | 628 1/2 SIXTH STREET, STE 210 RAPID CITY, SD 57709 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 2.09% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $754 | $135 | $889 | 2.62% |
| SCOTT C OLSEN3 | 3534 SAWGRASS CT RAPID CITY, SD 57703 | AFLAC | $787 | — | $787 | 2.32% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $373 | — | $373 | 1.10% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $303 | — | $303 | 0.89% |
| AMBER M LIND3 | 1501 E CENTRE ST., STE. 201 RAPID CITY, SD 57702 | AFLAC | $224 | $27 | $251 | 0.74% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LANE BOZEMAN, MT 59718 | AFLAC | $153 | — | $153 | 0.45% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $141 | — | $141 | 0.42% |
| KEVIN B VINING3 Filed as: KEVIN B. VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $133 | — | $133 | 0.39% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $89 | $27 | $116 | 0.34% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $115 | — | $115 | 0.34% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC | $89 | — | $89 | 0.26% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $79 | — | $79 | 0.23% |
| PEAK INC3 | 1130 S BURR STE300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $76 | — | $76 | 0.22% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $62 | — | $62 | 0.18% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S., STE C FARGO, ND 58104 | AFLAC | $62 | — | $62 | 0.18% |
| PATRICK O'LEARY3 | 203 W BRIDGE STREET REDWOOD FALLS, MN 56283 | AFLAC | $58 | — | $58 | 0.17% |
| PATSY ROBERTSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $56 | — | $56 | 0.17% |
| DALE N BERG3 | 596 MAIN ST DEADWOOD, SD 57732 | AFLAC | $50 | — | $50 | 0.15% |
| DEBORAH J LANGENFELD HOOPS Filed as: DEBORAH LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $47 | — | $47 | 0.14% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $45 | — | $45 | 0.13% |
| BLW INC3 | 4840 AMBER VALLEY PKW S, STE. C FARGO, ND 58104 | AFLAC | $43 | — | $43 | 0.13% |
| TERRY L JENSEN3 | 2551 361 ST AVE DAWSON, MN 56232 | AFLAC | $43 | — | $43 | 0.13% |
| ELOISE KLOSE3 | 338 N 31ST ST 6 BISMARCK, ND 58501 | AFLAC | $39 | — | $39 | 0.12% |
| WENDY L SWARTZ | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $37 | — | $37 | 0.11% |
| GLORIA J MAHER | 213 N LAKE AVE SIOUX FALLS, SD 57104 | AFLAC | $36 | — | $36 | 0.11% |
| MICHAEL BOLGER3 | 128 WOODLAND DR. MADISON, SD 57042 | AFLAC | $32 | — | $32 | 0.09% |
| WENDY L SWARTZ Filed as: WENDY L WITTENBERG | 219 PHILIP DR RAPID CITY, SD 57709 | AFLAC | $30 | — | $30 | 0.09% |
| JOHN J FREDERICK | PO BOX 554 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $29 | — | $29 | 0.09% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $27 | — | $27 | 0.08% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $25 | — | $25 | 0.07% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $24 | — | $24 | 0.07% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIRCLE, APT. 211 DELRAY BEACH, FL 33444 | AFLAC | $23 | — | $23 | 0.07% |
| STENGRIM INS INC | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $20 | — | $20 | 0.06% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC | $18 | — | $18 | 0.05% |
| JEREMY L TOMLINSON3 | 7825 WASHINGTON AVE. S, STE. 425 MINNEAPOLIS, MN 55439 | AFLAC | $15 | — | $15 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.04% |
| MELISSA STUART INC | 4122 OVERLOOK RD BISMARCK, ND 58503 | AFLAC | $11 | — | $11 | 0.03% |
| KEVIN C ARMSTRONG3 | 4027 WEST FAIDLEY AVE GRAND ISLAND, NE 68803 | AFLAC | $11 | — | $11 | 0.03% |
| AWS INC3 | 1919 WEST 57TH STREET. STE. 101 SIOUX FALLS, SD 57108 | AFLAC | $10 | — | $10 | 0.03% |
| BRICE L CAMPBELL3 | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | AFLAC | $10 | — | $10 | 0.03% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE RD STE 140 BISMARCK, ND 58503 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES D NICHOL3 | 520 WELLINGTON COURT WEST FARGO, ND 58078 | AFLAC | $8 | — | $8 | 0.02% |
| PATSY ROBERTSON | PO BOX 438 NEW UNDERWOOD, SD 57761 | AFLAC | $7 | — | $7 | 0.02% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $7 | — | $7 | 0.02% |
| WILLIAM W ARMSTRONG3 | P O BOX 448 OGALLALA, NE 69153 | AFLAC | $7 | — | $7 | 0.02% |
| BARRY CAMPBELL3 | 2798 COUNTRY ROAD 80 ALGER, OH 45812 | AFLAC | $6 | — | $6 | 0.02% |
| CYNTHIA L SAMUELS3 | 2105 LAVERS CIRCLE, APT 211 DELRAY BEACH, FL 33444 | AFLAC | $5 | — | $5 | 0.01% |
| CATHY J OLIVER3 | 201 WEST BURNSVILLE PKWY, STE. 116 BURNSVILLE, MN 55337 | AFLAC | $3 | — | $3 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $3 | — | $3 | 0.01% |
| CSP INSURANCE AGENT INC | 4207 BOULDER RIDGE RD STE 140 BISMARCK, ND 58503 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE PARTNERS AGENCY INC3 | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| SELECT NETWORKS | 317 6TH AVE. DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| NORIDIAN INSURANCE SERVICES INC Filed as: NORIDIAN INSURANCE SERVICES | 4510 13TH AVE. S. FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $984 | — | $984 | 10.01% |
| DIRECT BENEFITS INC Filed as: DIRECT BENEFITS | 55 E 5TH ST ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $729 | — | $729 | 7.41% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 47 | $34K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 199 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 62 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $28K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 84 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.