| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOEN & ASSOCIATES INC3 | PO BOX 89010 SIOUX FALLS, SD 57105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.67% |
| KRISTY ANN KAUFMAN3 | 912 SOUTH SCARLET OAK TRAIL SIOUX FALLS, SD 57110 | AFLAC | $2K | — | $2K | 16.13% |
| SHAWNA STARR NYHAUG3 | 206 WEST MAPLE STREET BERESFORD, SD 57004 | AFLAC | $840 | — | $840 | 7.90% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVENUE BRANDON, SD 57005 | AFLAC | $573 | — | $573 | 5.39% |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $368 | — | $368 | 3.46% |
| TARA M HELLER3 | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $324 | — | $324 | 3.05% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $173 | — | $173 | 1.63% |
| TARA M HELLER3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $104 | — | $104 | 0.98% |
| CAREN A STRAATMEYER3 | 704 EAST 70TH PLACE SIOUX FALLS, SD 57108 | AFLAC | $76 | — | $76 | 0.71% |
| DOUGLAS HASLIP3 | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $43 | — | $43 | 0.40% |
| THE LUTHER GROUP LLC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $35 | — | $35 | 0.33% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $29 | — | $29 | 0.27% |
| C SUE MCKENZIE3 | 10016 WEST BOLIVAR DRIVE SUN CITY, AZ 85351 | AFLAC | $18 | — | $18 | 0.17% |
| KIM R HARMS3 | 310 BIRCH AVENUE AURORA, SD 57002 | AFLAC | $17 | — | $17 | 0.16% |
| THE LUTHER GROUP LLC3 | 6620 NORTHWEST DEARING DRIVE PARKVILLE, MO 64152 | AFLAC | $15 | — | $15 | 0.14% |
| LISA K UHLIR3 | 8516 EAST WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $12 | — | $12 | 0.11% |
| TRACY LYNN MANGOLD3 | 1488 SLEEPY HOLLOW LANE NEW BRAUNFELS, TX 78130 | AFLAC | $11 | — | $11 | 0.10% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $9 | — | $9 | 0.08% |
| CHARLES L PRICE3 | 915 EAST DONEGAL STREET O NEILL, NE 68763 | AFLAC | $7 | — | $7 | 0.07% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $7 | — | $7 | 0.07% |
| JADE COMPANIES LLC3 | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $6 | — | $6 | 0.06% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.06% |
| CHRISTIAN M KRUEGER3 | 1259 LOOP 337 2ND FLOOR NEW BRAUNFELS, TX 78130 | AFLAC | $6 | — | $6 | 0.06% |
| EMANUEL GAGLIARDI3 | 1488 SLEEPY HOLLOW LANE NEW BRAUNFELS, TX 78130 | AFLAC | $5 | — | $5 | 0.05% |
| TRACY L HOSTLER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $4 | — | $4 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DRIVE WATERTOWN, SD 57201 | AFLAC | $3 | — | $3 | 0.03% |
| JADE COMPANIES LLC3 | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $2 | — | $2 | 0.02% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY SUITE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.01% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $545 | — | $545 | 14.99% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $246 | — | $246 | 10.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | $84 | $189 | 8.97% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASOCIATES INC | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169 | — | $169 | 8.02% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $76 | — | $76 | 10.00% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 95 | $617K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 77 | $17K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 77 | $17K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 122 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $2K |
| Other(4 contracts, 3 carriers) | AFLAC | 122 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.