| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 9.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $611 | $3K | 5.61% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| KRISTY ANN KAUFMAN3 | 912 SOUTH SCARLET OAK TRAIL SIOUX FALLS, SD 57110 | AFLAC | $807 | $103 | $910 | 5.19% |
| HEATHER ROWE3 | 27007 SERENITY PLACE CHANCELLOR, SD 57015 | AFLAC | $581 | $34 | $615 | 3.51% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVENUE BRANDON, SD 57005 | AFLAC | $455 | $48 | $503 | 2.87% |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $281 | $48 | $329 | 1.88% |
| CAREN A STRAATMEYER3 | 704 EAST 70TH PLACE SIOUX FALLS, SD 57108 | AFLAC | $154 | — | $154 | 0.88% |
| SHAWNA STARR NYHAUG3 | 206 WEST MAPLE STREET BERESFORD, SD 57004 | AFLAC | $74 | — | $74 | 0.42% |
| ANDREA L SWEETER3 | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $63 | — | $63 | 0.36% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $54 | — | $54 | 0.31% |
| TARA M HELLER3 | 10428 NORTH POTTER AVENUE KANSAS CITY, MO 64157 | AFLAC | $36 | — | $36 | 0.21% |
| DOUGLAS HASLIP3 | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $35 | — | $35 | 0.20% |
| C SUE MCKENZIE3 | 10016 WEST BOLIVAR DRIVE SUN CITY, AZ 85351 | AFLAC | $33 | — | $33 | 0.19% |
| TRACY LYNN MANGOLD3 | 1488 SLEEPY HOLLOW LANE NEW BRAUNFELS, TX 78130 | AFLAC | $31 | — | $31 | 0.18% |
| LISA K UHLIR3 | 8516 EAST WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $30 | — | $30 | 0.17% |
| KIM R HARMS3 | 310 BIRCH AVENUE AURORA, SD 57002 | AFLAC | $18 | — | $18 | 0.10% |
| CHARLES L PRICE3 | 915 EAST DONEGAL STREET O NEILL, NE 68763 | AFLAC | $17 | — | $17 | 0.10% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $17 | — | $17 | 0.10% |
| CHRISTIAN M KRUEGER3 | 2633 FAIRWOOD DRIVE NEW BRAUNFELS, TX 78132 | AFLAC | $16 | — | $16 | 0.09% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $12 | — | $12 | 0.07% |
| JADE COMPANIES LLC3 | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $10 | — | $10 | 0.06% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DRIVE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.03% |
| THE LUTHER GROUP LLC3 | 6620 NORTHWEST DEARING DRIVE PARKVILLE, MO 64152 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.03% |
| TRACY L HOSTLER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $4 | — | $4 | 0.02% |
| KRISTY ANN KAUFMAN3 | 912 SOUTH SCARLET OAK TRAIL SIOUX FALLS, SD 57110 | AFLAC | $1K | $154 | $1K | 8.42% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVENUE BRANDON, SD 57005 | AFLAC | $493 | $36 | $529 | 3.11% |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $194 | $16 | $210 | 1.24% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $102 | $20 | $122 | 0.72% |
| ANDREA L SWEETER3 | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $112 | — | $112 | 0.66% |
| SHAWNA STARR NYHAUG3 | 206 WEST MAPLE STREET BERESFORD, SD 57004 | AFLAC | $80 | — | $80 | 0.47% |
| CAREN A STRAATMEYER3 | 704 EAST 70TH PLACE SIOUX FALLS, SD 57108 | AFLAC | $21 | — | $21 | 0.12% |
| MELODY B THOMPSON3 | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $17 | — | $17 | 0.10% |
| MARY L SAVOLD3 | 3430 SOUTH SHELDON LANE APARTMENT 207 SIOUX FALLS, SD 57105 | AFLAC | $12 | — | $12 | 0.07% |
| PATRICK K RICKERL3 | 3300 SOUTH PILLSBERRY AVENUE SIOUX FALLS, SD 57103 | AFLAC | $12 | — | $12 | 0.07% |
| C SUE MCKENZIE3 | 10016 WEST BOLIVAR DRIVE SUN CITY, AZ 85351 | AFLAC | $8 | — | $8 | 0.05% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASSOCIATES | 307 WEST 41ST STREET SIOUX FALLS, SD 57105 | AFLAC | $7 | — | $7 | 0.04% |
| JADE COMPANIES LLC3 | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | 0.04% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.04% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRAIL LAKEVILLE, MN 55044 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $3 | — | $3 | 0.02% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $832 | — | $832 | 5.00% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $733 | — | $733 | 4.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | — | $568 | $568 | 4.16% |
| BOEN & ASSOCIATES INC3 | 307 WEST 41ST STREET SIOUX FALLS, SD 57109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 7.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174 | — | $174 | 5.00% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 105 | $733K |
| Dental(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 105 | $115K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 87 | $14K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $61K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $33K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.