| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 1.42% |
| TODD FREIMARK3 | FREIMARK ASSOCIATES INC. 812 10TH ST SW WATERTOWN, SD 57201 | DELTA DENTAL OF SOUTH DAKOTA | $428 | — | $428 | 0.48% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $4K | $572 | $4K | 7.91% |
| ASHLEY D WARNER3 | 712 2ND ST SW DESMET, SD 57231 | AFLAC | $1K | $310 | $2K | 2.95% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $618 | $175 | $793 | 1.46% |
| JULIA KREJCHI3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $281 | $167 | $448 | 0.82% |
| WARREN L FRICK3 | 4655 HAMPTONS DR ALPHARETTA, GA 30004 | AFLAC | $265 | — | $265 | 0.49% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $232 | — | $232 | 0.43% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $195 | — | $195 | 0.36% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH L LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $161 | — | $161 | 0.30% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $146 | — | $146 | 0.27% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $138 | — | $138 | 0.25% |
| TERRI BRUNER3 | 313 17TH ST NE WATERTOWN, SD 57201 | AFLAC | $109 | — | $109 | 0.20% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $98 | — | $98 | 0.18% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $89 | — | $89 | 0.16% |
| JULIA KREJCHI3 Filed as: JULIA MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $83 | — | $83 | 0.15% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $75 | — | $75 | 0.14% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $68 | — | $68 | 0.13% |
| MICHAEL D EVANS JR3 | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $56 | — | $56 | 0.10% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $49 | — | $49 | 0.09% |
| CHRISTIE L WOOKEY3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $48 | — | $48 | 0.09% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $30 | — | $30 | 0.06% |
| CAROL FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $27 | — | $27 | 0.05% |
| JEREMY D FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $27 | — | $27 | 0.05% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $23 | — | $23 | 0.04% |
| JUSTINE DEVILLE3 Filed as: JUSTINE N DEVILLE | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $15 | — | $15 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $14 | — | $14 | 0.03% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $8 | — | $8 | 0.01% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID G FENEMOR3 | 1922A MEDARD ST SAINT LOUIS, MO 63104 | AFLAC | $5 | — | $5 | 0.01% |
| TORI L FENEMOR3 | 915 GEYER AVE SAIT LOUIS, MO 63104 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $3 | — | $3 | 0.01% |
| ALEXANDER I MIRO3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $2 | — | $2 | 0.00% |
| TORI L FENEMOR3 | 2025 S 11TH ST SAINT LOUIS, MO 63104 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16088 | AFLAC | $1 | — | $1 | 0.00% |
| CYNTHIA KAY PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | VISION SERVICE PLAN | $308 | — | $308 | 1.63% |
| NANCY S CLAUSSEN3 | 808 S MAPLE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 2.69% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE WOOKEY | 808 S MAPLE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 1.56% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 1.56% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 1.39% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.56% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.29% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| BRADY L WEISENBERGER3 | 2101 26 1/2 COURT S FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| PERFORMANCE PLUS LLC3 | 105 ANDREWS ST MITCHELL, SD 57301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| THEODORE W HONKE3 | 1130 S BURR ST SUITE 300 PO BOX 514 MITCHELL, SD 57301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 235 | $924K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 246 | $88K |
| Vision | VISION SERVICE PLAN | 213 | $19K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 57 | $63K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 235 | $924K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 43 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.