| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 520040028 | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | $22K | — | $22K | 2.84% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $3K | $125 | $3K | 3.10% |
| SHERRY M ADAMS3 | 7227 WEST LANDCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $3K | $85 | $3K | 2.80% |
| BEVERLY M SEMMENS3 Filed as: BEVERLY SEMMENS | 314 S BLAUVELT SIOUX FALLS, SD 57103 | AFLAC | $1K | — | $1K | 1.32% |
| JAMIE RAGINS3 | 4126 STURGIS DR CEDAR FALLS, IA 50613 | AFLAC | $1K | $89 | $1K | 1.26% |
| DOUGLAS HASLIP3 | 7227 WEST LANDCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $800 | $89 | $889 | 0.85% |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $758 | $30 | $788 | 0.76% |
| HERMAN PETERSEN3 | 3728 FOX RUN PL SIOUX FALLS, SD 57103 | AFLAC | $687 | — | $687 | 0.66% |
| KEITH OLSON3 | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $438 | $74 | $512 | 0.49% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $452 | — | $452 | 0.43% |
| PEAK INC3 | 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $407 | $24 | $431 | 0.41% |
| DAVID P AESOPH3 Filed as: DAVID ASEOPH | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $391 | — | $391 | 0.37% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $366 | $2 | $368 | 0.35% |
| PENELOPE CORE3 | 19001 PERRY ROAD COUNCIL BLUFFS, IA 51503 | AFLAC | $343 | $23 | $366 | 0.35% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $338 | $6 | $344 | 0.33% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $325 | — | $325 | 0.31% |
| KENNETH W STEELE3 Filed as: KENNETH STEELE | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $292 | — | $292 | 0.28% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $249 | — | $249 | 0.24% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $242 | $5 | $247 | 0.24% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $237 | — | $237 | 0.23% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $215 | — | $215 | 0.21% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $187 | $15 | $202 | 0.19% |
| CORY D NELSON3 Filed as: CORY NELSON | 215 HIGHWAY 965 NE STE 1 NORTH LIBERTY, IA 52317 | AFLAC | $163 | $29 | $192 | 0.18% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS GUSTAFSON | 928 N DUBUQUE AVE SIOUX FALLS, SD 57110 | AFLAC | $189 | — | $189 | 0.18% |
| RONALD L HOVICK3 Filed as: RONALD HOVICK | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $177 | — | $177 | 0.17% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $169 | $6 | $175 | 0.17% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $139 | — | $139 | 0.13% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $137 | — | $137 | 0.13% |
| HALEY DITTRICH3 | 2107 COLLEGE ST APT 40 CEDAR FALLS, IA 50613 | AFLAC | $129 | — | $129 | 0.12% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $98 | $29 | $127 | 0.12% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $102 | $15 | $117 | 0.11% |
| TYONIA N EGGERS3 | 607 ROSEWOOD AVE PAPILLION, NE 68133 | AFLAC | $101 | $5 | $106 | 0.10% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $105 | — | $105 | 0.10% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $97 | — | $97 | 0.09% |
| C SUE MCKENZIE3 | 20095 N TEALSTONE DR SURPRISE, AZ 85374 | AFLAC | $97 | — | $97 | 0.09% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $77 | $6 | $83 | 0.08% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $83 | — | $83 | 0.08% |
| JOHN BENSON3 | 3707 CARLTON DR CEDAR FALLS, IA 50613 | AFLAC | $60 | — | $60 | 0.06% |
| MELISSA K SWAN3 | 204 S 35TH ST STE 100 COUNCIL BLUFFS, IA 51501 | AFLAC | $46 | $5 | $51 | 0.05% |
| LENIN RODRIGUEZ3 | 60 US HWY 46 FAIRFIELD, NJ 07044 | AFLAC | $41 | — | $41 | 0.04% |
| ANDREA L SWEETER3 | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $40 | — | $40 | 0.04% |
| TED HONKE3 | 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $37 | $1 | $38 | 0.04% |
| DEBORAH KAE LEE3 | 1901 E 62ND ST SIOUX FALLS, SD 57108 | AFLAC | $37 | — | $37 | 0.04% |
| RICHARD SIMON3 | 5073 15TH AVENUE DR LA PORTE CITY, IA 50651 | AFLAC | $34 | — | $34 | 0.03% |
| MARY L SAVOLD3 Filed as: MARY SAVOLD | 2505 S KIWANIS #146 SIOUX FALLS, SD 57105 | AFLAC | $30 | — | $30 | 0.03% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $29 | — | $29 | 0.03% |
| CHARLES L PRICE3 Filed as: CHARLES PRICE | 915 E DONEGAL ONEILL, NE 68763 | AFLAC | $28 | — | $28 | 0.03% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $24 | — | $24 | 0.02% |
| DOUGLAS D CARTER3 | 13654 387TH AVE ABERDEEN, SD 57401 | AFLAC | $24 | — | $24 | 0.02% |
| BRUCE R HUTCHINSON3 Filed as: BRUCE HUTCHINSON | 1948 180TH STREET MANCHESTER, IA 52057 | AFLAC | $24 | — | $24 | 0.02% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $23 | — | $23 | 0.02% |
| MARTIN F. CONROY3 Filed as: MARTIN F CONROY | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $22 | — | $22 | 0.02% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY STREET SIOUX FALLS, SD 57108 | AFLAC | $22 | — | $22 | 0.02% |
| MARK BUTLER INC3 | 13155 A SHRINERS BLVD BILOXI, MS 39532 | AFLAC | $21 | — | $21 | 0.02% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $21 | — | $21 | 0.02% |
| THE HORTON GROUP3 Filed as: LORRAINE L HORTON BOUR | 705 WEST RALPH ROGERS RD SIOUX FALLS, SD 57108 | AFLAC | $21 | — | $21 | 0.02% |
| TYLER SMITH3 | 1580 STATE HIGHWAY 9 DECORAH, IA 52101 | AFLAC | $21 | — | $21 | 0.02% |
| LEE TOLBERT3 | 821 W 28TH ST CEDAR FALLS, IA 50613 | AFLAC | $21 | — | $21 | 0.02% |
| LINDA J HARMS3 | 2293 140TH ST TRIPOI, IA 50676 | AFLAC | $20 | — | $20 | 0.02% |
| MELODY B THOMPSON3 Filed as: MELODY THOMPSON | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $18 | — | $18 | 0.02% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $17 | — | $17 | 0.02% |
| CAREN A STRAATMEYER3 Filed as: CAREN STRAATMEYER | 704 EAST 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $16 | — | $16 | 0.02% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $16 | — | $16 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AFLAC | $14 | — | $14 | 0.01% |
| MARY BRENDE3 | 3101 E 33RD ST SIOUX FALLS, SD 57103 | AFLAC | $14 | — | $14 | 0.01% |
| AUBREY MICHELLE WALDEN3 | 1284 KENTUCKY AVE HAZLETON, IA 50641 | AFLAC | $14 | — | $14 | 0.01% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY CT NATCHEZ, MS 39120 | AFLAC | $13 | — | $13 | 0.01% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $12 | — | $12 | 0.01% |
| MELIYA REESE3 | 1017 COTTONWOOD DRIVE BRANDON, SD 57005 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $10 | — | $10 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH STREET STE 101 OMAHA, NE 68127 | AFLAC | $10 | — | $10 | 0.01% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $10 | — | $10 | 0.01% |
| MONICA WHITE3 | 28876 DELTA AVE TREYNOR, IA 51575 | AFLAC | $8 | — | $8 | 0.01% |
| JASON GARCIA3 | 29789 HORSESHOE PL NEW HARTFORD, IA 50660 | AFLAC | $7 | — | $7 | 0.01% |
| RENALDUS N WENTZ3 Filed as: RENALDUS WENTZ | 2038 FOREST PARK DR BILLINGS, MT 59102 | AFLAC | $6 | — | $6 | 0.01% |
| MONICA WHITE3 | 28876 DELTA AVE TREYNOR, IA 51575 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $6 | — | $6 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $4 | — | $4 | 0.00% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $4 | — | $4 | 0.00% |
| ANDREA L SWEETER3 | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $4 | — | $4 | 0.00% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 1620 WILLINGTON APT 1101 BEAUMONT, TX 77706 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFILED WAY SE PALM BAY, FL 32909 | AFLAC | $3 | — | $3 | 0.00% |
| DONITA AWALT3 | 500 WILLOW AVE SUITE 502 COUNCIL BLUFFS, IA 51503 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT R FRITCHER3 | 9655 NW 74TH PL GRIMES, IA 50111 | AFLAC | $2 | — | $2 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER D SWANSON3 | 4608 67TH ST URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.00% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 228 | $780K |
| Short-term disability | AFLAC | 190 | $104K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 228 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.