| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MMA3 | — | AVERA HEALTH PLANS, INC. | $20K | $0 | $20K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 300 N CHERAPA PL STE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $2K | $0 | $2K | 1.76% |
| HEATHER ROWE3 | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $4K | $199 | $4K | 5.65% |
| ERICA HAZELTON3 | 1313 S PARKVIEW BLVD BRANDON, SD 57005 | AFLAC | $2K | $78 | $2K | 3.23% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $2K | $78 | $2K | 3.23% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $2K | $78 | $2K | 2.21% |
| KALIOPIE S FORD3 | 606 N DAKOTA ST CANTON, SD 57013 | AFLAC | $591 | $0 | $591 | 0.80% |
| PATRICK K RICKERL3 | 3300 S PILLSBERRY AVE SIOUX FALLS, SD 57103 | AFLAC | $323 | $0 | $323 | 0.44% |
| JEREMY ALLEN TIMMERMANS3 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $323 | $0 | $323 | 0.44% |
| SHAWNA STARR NYHAUG3 | 206 W MAPLE ST BERESFORD, SD 57004 | AFLAC | $165 | $0 | $165 | 0.22% |
| KATELYN BREYFOGLE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $122 | $0 | $122 | 0.17% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $116 | $0 | $116 | 0.16% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $99 | $0 | $99 | 0.13% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $65 | $0 | $65 | 0.09% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASSOCIATES | 7119 S LYNCREST PL SIOUX FALLS, SD 57108 | AFLAC | $65 | $0 | $65 | 0.09% |
| JADE COMPANIES LLC3 | 600 STEVENS PORT DR STE 300 DAKOTA DUNES, SD 57049 | AFLAC | $57 | $0 | $57 | 0.08% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $56 | $0 | $56 | 0.08% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $53 | $0 | $53 | 0.07% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $24 | $0 | $24 | 0.03% |
| SAVANA GARLICK3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $22 | $0 | $22 | 0.03% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $22 | $0 | $22 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | AFLAC | $17 | $0 | $17 | 0.02% |
| RUSSELL J HANSON3 | 209 N DOMINIC CIR SIOUX FALLS, SD 57107 | AFLAC | $16 | $0 | $16 | 0.02% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $14 | $0 | $14 | 0.02% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $13 | $0 | $13 | 0.02% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $11 | $0 | $11 | 0.01% |
| STACEY NICOLE JENSEN3 | PO BOX 180 ARLINGTON, SD 57212 | AFLAC | $10 | $0 | $10 | 0.01% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $10 | $0 | $10 | 0.01% |
| ALEXANDER I MIRO3 | 7160 DALLAS PKWY STE 250 PLANO, TX 75024 | AFLAC | $10 | $0 | $10 | 0.01% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $9 | $0 | $9 | 0.01% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $8 | $0 | $8 | 0.01% |
| JULIA BUCCERI3 Filed as: JULIA E BUCCERI | 1219 LIVERPOOL ST PITTSBURGH, PA 15233 | AFLAC | $7 | $0 | $7 | 0.01% |
| CYNTHIA KAY PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | AFLAC | $7 | $0 | $7 | 0.01% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TWP, PA 16066 | AFLAC | $6 | $0 | $6 | 0.01% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $4 | $0 | $4 | 0.01% |
| MONICA ROCIO SEPULVEDA3 | 201 S RED WILLOW AVE SIOUX FALLS, SD 57110 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $162 | $2K | 10.89% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC. | 96 | $1.3M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 256 | $104K |
| Vision | VISION SERVICE PLAN | 125 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $19K |
| Prescription drug | AVERA HEALTH PLANS, INC. | 96 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 183 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.