| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYWATER INSURANCE5 | 15422 DETROIT AVE LAKEWOOD, OH 44107 | NATIONWIDE LIFE INSURANCE COMPANY | $50K | — | $50K | 11.97% |
| 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 | $1K | — | $1K | 2.16% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $1K | $24 | $1K | 3.66% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $1K | $52 | $1K | 2.93% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $730 | — | $730 | 1.78% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DR RAPID CITY, SD 57702 | AFLAC | $677 | — | $677 | 1.65% |
| AMBER M LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $422 | $10 | $432 | 1.06% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $374 | $37 | $411 | 1.00% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $321 | $20 | $341 | 0.83% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $305 | — | $305 | 0.75% |
| ROBIN NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $282 | $13 | $295 | 0.72% |
| NATHAN T GORTEMAKER3 | 7093 SUNDANCE LOOP CHEYENNE, WY 82009 | AFLAC | $175 | — | $175 | 0.43% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $149 | $6 | $155 | 0.38% |
| KEVIN B VINING3 Filed as: KEVIN B. VINING | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $148 | — | $148 | 0.36% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $121 | — | $121 | 0.30% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LANE BOZEMAN, MT 59718 | AFLAC | $118 | — | $118 | 0.29% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $112 | — | $112 | 0.27% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC | $85 | — | $85 | 0.21% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S., STE C FARGO, ND 58104 | AFLAC | $75 | — | $75 | 0.18% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $73 | — | $73 | 0.18% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $72 | — | $72 | 0.18% |
| PATRICK O'LEARY3 | 203 W BRIDGE STREET REDWOOD FALLS, MN 56283 | AFLAC | $64 | — | $64 | 0.16% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $53 | $3 | $56 | 0.14% |
| DALE N BERG3 | 596 MAIN ST DEADWOOD, SD 57732 | AFLAC | $55 | — | $55 | 0.13% |
| GLORIA J MAHER | 213 N LAKE AVE SIOUX FALLS, SD 57104 | AFLAC | $51 | — | $51 | 0.12% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $45 | — | $45 | 0.11% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $40 | — | $40 | 0.10% |
| TERRY L JENSEN3 | 32822 TURTLE SHORE LN UNDERWOOD, MN 56586 | AFLAC | $40 | — | $40 | 0.10% |
| MICHAEL BOLGER3 | 128 WOODLAND DR. MADISON, SD 57042 | AFLAC | $39 | — | $39 | 0.10% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $39 | — | $39 | 0.10% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $32 | $7 | $39 | 0.10% |
| KYLE D SULLIVAN3 Filed as: KYLE SULLIVAN | PO BOX 2290 MILLS, WY 82644 | AFLAC | $30 | — | $30 | 0.07% |
| STENGRIM INS INC | 47108 276TH ST HARRISBURG, SD 57032 | AFLAC | $29 | — | $29 | 0.07% |
| BLW INC3 | 4840 AMBER VALLEY PKW S, STE. C FARGO, ND 58104 | AFLAC | $29 | — | $29 | 0.07% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $28 | — | $28 | 0.07% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $27 | — | $27 | 0.07% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $25 | — | $25 | 0.06% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $23 | — | $23 | 0.06% |
| DB INSURANCE INC3 Filed as: DB BENEFITS INC | 1620 E 4TH ST STE 114A NORTH PLATTE, NE 69101 | AFLAC | $20 | — | $20 | 0.05% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $19 | — | $19 | 0.05% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $19 | — | $19 | 0.05% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $17 | — | $17 | 0.04% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $14 | — | $14 | 0.03% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $14 | — | $14 | 0.03% |
| PATSY ROBERTSON | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $13 | — | $13 | 0.03% |
| KEVIN C ARMSTRONG3 | 4027 WEST FAIDLEY AVE GRAND ISLAND, NE 68803 | AFLAC | $12 | — | $12 | 0.03% |
| BRICE L CAMPBELL3 | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | AFLAC | $12 | — | $12 | 0.03% |
| AWS INC3 | 1919 WEST 57TH STREET. STE. 101 SIOUX FALLS, SD 57108 | AFLAC | $11 | — | $11 | 0.03% |
| WILLIAM W ARMSTRONG3 | P O BOX 448 OGALLALA, NE 69153 | AFLAC | $8 | — | $8 | 0.02% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC | $8 | — | $8 | 0.02% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | PO BOX 5625 PASCO, WA 99302 | AFLAC | $8 | — | $8 | 0.02% |
| ERIC GRAHAM3 | PO BOX 97 CASPER, WY 82602 | AFLAC | $7 | — | $7 | 0.02% |
| BARRY CAMPBELL3 | 2798 COUNTRY ROAD 80 ALGER, OH 45812 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES D NICHOL3 | 520 WELLINGTON COURT WEST FARGO, ND 58078 | AFLAC | $6 | — | $6 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $5 | — | $5 | 0.01% |
| ELOISE KLOSE3 | 338 N 31ST ST 6 BISMARCK, ND 58501 | AFLAC | $5 | — | $5 | 0.01% |
| CSP INSURANCE AGENT INC | 4207 BOULDER RIDGE RD STE 140 BISMARCK, ND 58503 | AFLAC | $4 | — | $4 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $4 | — | $4 | 0.01% |
| TRINITY FINANCIAL LLC3 | PO BOX 97 CASPER, WY 82602 | AFLAC | $4 | — | $4 | 0.01% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR DALENE, ID 83815 | AFLAC | $1 | — | $1 | 0.00% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $1 | — | $1 | 0.00% |
| FRANCES OSTERMEIER3 | 215 COLETON DR COPPERAS COVE, TX 76522 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $1 | — | $1 | 0.00% |
| DAKOTACARE ADMINISTRATIVE SERVICES5 Filed as: DAKOTACARE ADMIN SERVICES INC | PO BOX 7406 SIOUX FALLS, SD 57117 | COMPANION LIFE INSURANCE COMPANY | $6K | $10 | $6K | 19.78% |
| SUMMIT REINSURANCE SERVICES INC | 7030 POINTE INVERNESS WAY STE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $559 | — | $559 | 2.00% |
| SELECT NETWORKS5 | 317 6TH AVE. DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| AZURANCE GROUP5 Filed as: AZURANCE GROUP INC | 4510 13TH AVE. S. FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $949 | — | $949 | 10.00% |
| DIRECT BENEFITS INC5 Filed as: DIRECT BENEFITS | 55 E 5TH ST ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $570 | — | $570 | 6.00% |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 55 | $41K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 164 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 49 | $9K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 302 | $28K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 69 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.