| 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 | $23K | — | $23K | 1.37% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $837 | $837 | 0.95% |
| SHERRY M ADAMS3 | 7227 WEST LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $2K | $20 | $2K | 2.43% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $2K | $9 | $2K | 2.35% |
| BEVERLY M SEMMENS3 Filed as: BEVERLY SEMMENS | 314 S BLAUVELT SIOUX FALLS, SD 57103 | AFLAC | $1K | — | $1K | 1.33% |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $554 | $4 | $558 | 0.68% |
| JAIME R RAGINS3 Filed as: JAIME RAGINS | 31 COBBLESTONE LN LE CLAIRE, IA 52753 | AFLAC | $505 | — | $505 | 0.62% |
| DOUGLAS HASLIP3 | 7227 WEST LANDCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $485 | — | $485 | 0.59% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $480 | $4 | $484 | 0.59% |
| MICHAEL L MANTERNACH3 Filed as: MICHAEL MANTERNACH | 2512 150TH AVE MANCHESTER, IA 52057 | AFLAC | $406 | — | $406 | 0.50% |
| HERMAN PETERSEN3 | 3728 FOX RUN PL SIOUX FALLS, SD 57103 | AFLAC | $401 | — | $401 | 0.49% |
| KEITH OLSON3 | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $347 | — | $347 | 0.42% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $344 | — | $344 | 0.42% |
| DAVID P AESOPH3 Filed as: DAVID ASEOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $295 | — | $295 | 0.36% |
| KENNETH W STEELE3 Filed as: KENNETH STEELE | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $246 | — | $246 | 0.30% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $238 | — | $238 | 0.29% |
| NEFZEGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $215 | — | $215 | 0.26% |
| PEAK INC3 | 40658 252ND STREET MITCHELL, SD 57301 | AFLAC | $181 | — | $181 | 0.22% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $175 | — | $175 | 0.21% |
| BRAD P LUFKIN3 Filed as: BRAD LUFKIN | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $169 | — | $169 | 0.21% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $166 | $2 | $168 | 0.21% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $135 | — | $135 | 0.17% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $129 | — | $129 | 0.16% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS GUSTAFSON | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $119 | — | $119 | 0.15% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $116 | — | $116 | 0.14% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $114 | — | $114 | 0.14% |
| RONALD L HOVICK3 Filed as: RONALD HOVICK | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $95 | — | $95 | 0.12% |
| PENELOPE CORE3 | 25663 OLD LINCOLN HWY HONEY CREEK, IA 51542 | AFLAC | $84 | — | $84 | 0.10% |
| CORY D NELSON3 Filed as: CORY NELSON | 215 HIGHWAY 965 NE STE 1 NORTH LIBERTY, IA 52317 | AFLAC | $80 | — | $80 | 0.10% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $76 | $2 | $78 | 0.10% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $75 | — | $75 | 0.09% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $68 | — | $68 | 0.08% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $64 | — | $64 | 0.08% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $63 | — | $63 | 0.08% |
| JARVIS ANTHONY THOMAS3 | 2959 SUMMER DRIVE DUBUQUE, IA 52002 | AFLAC | $61 | — | $61 | 0.07% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $60 | — | $60 | 0.07% |
| MICHAEL FRASIER3 | 4001 FELLAND RD STE 113 MADISON, WI 53718 | AFLAC | $59 | — | $59 | 0.07% |
| TERRELL & COMPANY INC3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $58 | — | $58 | 0.07% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $54 | — | $54 | 0.07% |
| TYONIA N EGGERS3 | 607 ROSEWOOD AVE PAPILLION, NE 68133 | AFLAC | $44 | — | $44 | 0.05% |
| ANDREA L SWEETER3 | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $41 | — | $41 | 0.05% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PRKW S STE C FARGO, ND 58104 | AFLAC | $37 | — | $37 | 0.05% |
| ERIC PALMER3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $35 | — | $35 | 0.04% |
| SIDNEY LAYNE LAHR3 | 1012 1ST AVE W DYERSVILLE, IA 52040 | AFLAC | $29 | — | $29 | 0.04% |
| CHARLES L PRICE3 Filed as: CHARLES PRICE | 915 E DONEGAL ONEILL, NE 68763 | AFLAC | $25 | — | $25 | 0.03% |
| CRAIG S STADTFELD3 Filed as: CRAIG G STADFELD | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $23 | — | $23 | 0.03% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $22 | — | $22 | 0.03% |
| TED HONKE3 | 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $22 | — | $22 | 0.03% |
| MARY L SAVOLD3 Filed as: MARY SAVOLD | 3430 S SHELDON LN APT 207 SIOUX FALLS, SD 57105 | AFLAC | $21 | — | $21 | 0.03% |
| DEBORAH KAE LEE3 | 4303 W TOWNSLEY PLACE SIOUX FALLS, SD 57108 | AFLAC | $20 | — | $20 | 0.02% |
| MELODY B THOMPSON3 Filed as: MELODY THOMPSON | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $16 | — | $16 | 0.02% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.02% |
| CAREN A STRAATMEYER3 Filed as: CAREN STRAATMEYER | 704 EAST 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $15 | — | $15 | 0.02% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $15 | — | $15 | 0.02% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $15 | — | $15 | 0.02% |
| LINDA J HARMS3 | 2293 140TH ST TRIPOLI, IA 50676 | AFLAC | $14 | — | $14 | 0.02% |
| RONALD L HOVICK3 | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $14 | — | $14 | 0.02% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $13 | — | $13 | 0.02% |
| MARY BRENDE3 | 3101 E 33RD ST SIOUX FALLS, SD 57103 | AFLAC | $13 | — | $13 | 0.02% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $13 | — | $13 | 0.02% |
| MELIYA REESE3 | 1017 COTTONWOOD DRIVE BRANDON, SD 57005 | AFLAC | $10 | — | $10 | 0.01% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $10 | — | $10 | 0.01% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 3 NORTH LIBERTY, IA 52317 | AFLAC | $10 | — | $10 | 0.01% |
| MONICA WHITE3 Filed as: MONICA L WHITE | 28876 DELTA AVE TREYNOR, IA 51575 | AFLAC | $10 | — | $10 | 0.01% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY CT NATCHEZ, MS 39120 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT R FRITCHER3 | 3511 131ST ST URBANDALE, IA 50323 | AFLAC | $8 | — | $8 | 0.01% |
| CASEY J HIGGINS3 | 3083 LYMANS RUN SUN PRAIRIE, WI 53590 | AFLAC | $7 | — | $7 | 0.01% |
| JASON GARCIA3 | 722 DENVER ST WATERLOO, IA 50702 | AFLAC | $6 | — | $6 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 0.01% |
| RENALDUS N WENTZ3 Filed as: RENALDUS WENTZ | 2038 FOREST PARK DR BILLINGS, MT 59102 | AFLAC | $4 | — | $4 | 0.00% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 325 CHEROKEE BLVD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $3 | — | $3 | 0.00% |
| HEATHER D SWANSON3 | 4517 49TH PL DES MOINES, IA 50310 | AFLAC | $3 | — | $3 | 0.00% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 2708 HUNTERS RDG EDWARDSVILLE, IL 62025 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD KIMBROUGH | 1972 MUIRFILED WAY SE PALM BAY, FL 32909 | AFLAC | $2 | — | $2 | 0.00% |
| THE HORTON GROUP3 Filed as: LORRAINE L HORTON BOUR | 705 WEST RALPH ROGERS RD SIOUX FALLS, SD 57108 | AFLAC | $2 | — | $2 | 0.00% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELYN KIMBROUGH3 | 1680 BURR OAKS DRIVE WEST DES MOINES, IA 50266 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA3 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA L REMLEY3 | 1225 E RIVER DR STE 302 DAVENPORT, IA 52803 | 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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 280 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $88K |
| Short-term disability | AFLAC | 149 | $82K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 189 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.