| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD FREIMARK3 | 812 10TH STREET SW WATERTOWN, SD 57201 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.90% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $3K | $87 | $3K | 8.20% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $492 | $6 | $498 | 1.39% |
| PEAK INC3 Filed as: PEAK INC. | 1130 S BURR STE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $428 | $17 | $445 | 1.24% |
| WARREN L FRICK3 Filed as: WARREN FRICK | 4655 HAMPTONS DRIVE ALPHARETTA, GA 30004 | AFLAC | $358 | — | $358 | 1.00% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $318 | — | $318 | 0.89% |
| NEFZGER ENTERPRISES INC3 | 624 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $198 | — | $198 | 0.55% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $183 | — | $183 | 0.51% |
| TERRI BRUNER3 | 512 S LAKE DRIVE WATERTOWN, SD 57201 | AFLAC | $161 | — | $161 | 0.45% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH SW SE WATERTOWN, SD 57201 | AFLAC | $132 | — | $132 | 0.37% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $128 | — | $128 | 0.36% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $125 | — | $125 | 0.35% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $100 | — | $100 | 0.28% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $99 | — | $99 | 0.28% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $87 | — | $87 | 0.24% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $72 | — | $72 | 0.20% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE WOOKEY | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $72 | — | $72 | 0.20% |
| CAROL FOX3 | 42312 199TH STREET BANCROFT, SD 57353 | AFLAC | $60 | — | $60 | 0.17% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS JR. | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $59 | — | $59 | 0.16% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $38 | — | $38 | 0.11% |
| JEREMY D FOX3 Filed as: JEREMY FOX | 42312 199TH STREET BANCROFT, SD 57353 | AFLAC | $38 | — | $38 | 0.11% |
| LISA A PERRI3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $37 | — | $37 | 0.10% |
| JUSTINE DEVILLE3 | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $26 | — | $26 | 0.07% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $22 | — | $22 | 0.06% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $17 | — | $17 | 0.05% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $12 | — | $12 | 0.03% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $10 | — | $10 | 0.03% |
| AWS INC3 | 1919 WEST 57TH STREET, SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $9 | — | $9 | 0.03% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $3 | — | $3 | 0.01% |
| PERFORMANCE PLUS LLC3 | 105 ANDREWS ST MITCHELL, SD 57301 | AFLAC | $2 | — | $2 | 0.01% |
| JULIA KREJCHI3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| FREIMARK & ASSOCIATES3 | PO BOX 784 WATERTOWN, SD 57201 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 124 | $881K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 255 | $91K |
| Vision | VISION SERVICE PLAN | 91 | $18K |
| Short-term disability | AFLAC | 77 | $36K |
| Prescription drug | WELLMARK OF SOUTH DAKOTA, INC. | 124 | $881K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.