| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FISHBACK INSURANCE AGENCY INC3 | 520 6TH STREET BROOKINGS, SD 57006 | AFLAC | $8K | — | $8K | 2.66% |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $5K | $207 | $5K | 1.70% |
| CHRIS A GUSTAFSON3 | 928 N DUBUQUE AVE SIOUX FALLS, SD 57110 | AFLAC | $4K | $181 | $4K | 1.32% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $3K | — | $3K | 1.02% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $3K | $207 | $3K | 1.02% |
| BONNIE J BUSDICKER3 | BOX 47 VOLGA, SD 57071 | AFLAC | $3K | — | $3K | 0.87% |
| NANCY S CLAUSSEN3 | 322 E 8TH ST APT 209 SIOUX FALLS, SD 57103 | AFLAC | $2K | — | $2K | 0.73% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $1K | $254 | $2K | 0.57% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $1K | $105 | $1K | 0.44% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $1K | $36 | $1K | 0.39% |
| CASSIDY A GOLDSTINE3 | 7501 S DENTON AVE SIOUX FALLS, SD 57108 | AFLAC | $1K | $87 | $1K | 0.38% |
| LARRY L HULT3 | 2005 IOWA ST BROOKINGS, SD 57006 | AFLAC | $1K | — | $1K | 0.37% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $995 | — | $995 | 0.33% |
| MARK ROBERT HENDRICKS3 | 217 SANTEE PASS BROOKINGS, SD 57006 | AFLAC | $842 | — | $842 | 0.28% |
| AWS INC3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $709 | $36 | $745 | 0.24% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $722 | — | $722 | 0.24% |
| JEREMY L TOMLINSON3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $719 | — | $719 | 0.24% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $680 | — | $680 | 0.22% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $528 | — | $528 | 0.17% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $457 | $14 | $471 | 0.15% |
| JACQUELINE C NELSON3 | 1833 9TH AVE S BROOKINGS, SD 57006 | AFLAC | $404 | — | $404 | 0.13% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $311 | — | $311 | 0.10% |
| JASON MACK3 | 605 2ND STREET NE WATERTOWN, SD 57201 | AFLAC | $232 | $51 | $283 | 0.09% |
| KIM R HARMS3 | PO BOX 184 COLMAN, SD 57017 | AFLAC | $260 | $15 | $275 | 0.09% |
| CHARLES J MEHLBRECH3 | PO BOX 460 SALEM, SD 57058 | AFLAC | $249 | — | $249 | 0.08% |
| DOROTHY A KAMBACK3 | PO BOX 256 YANKTON, SD 57078 | AFLAC | $190 | — | $190 | 0.06% |
| CONNIE L SALLQUIST3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $153 | — | $153 | 0.05% |
| SHIRLEE M HANSON3 | 7310 W 58TH STREET SIOUX FALLS, SD 57106 | AFLAC | $127 | — | $127 | 0.04% |
| CAREN A STRAATMEYER3 | 704 E 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $121 | — | $121 | 0.04% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $118 | — | $118 | 0.04% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $98 | — | $98 | 0.03% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $95 | — | $95 | 0.03% |
| MARY L SAVOLD3 | 2505 S KIWANIS AVE APT 146 SIOUX FALLS, SD 57105 | AFLAC | $74 | — | $74 | 0.02% |
| CITIZENS STATE BANK3 | PO BOX 378 ARLINGTON, SD 57212 | AFLAC | $56 | — | $56 | 0.02% |
| GILDA J H THURY3 | 45123 211TH ST ARLINGTON, SD 57212 | AFLAC | $55 | — | $55 | 0.02% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $53 | — | $53 | 0.02% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $53 | — | $53 | 0.02% |
| PEAK INC3 | 1130 S BURR STE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $34 | $17 | $51 | 0.02% |
| JULIA KREJCHI3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $40 | $7 | $47 | 0.02% |
| CHRISTIE L WOOKEY3 | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $38 | $7 | $45 | 0.01% |
| DIANE M HANSUM3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $38 | — | $38 | 0.01% |
| ANNE E MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $25 | $11 | $36 | 0.01% |
| KRISTA M MERRITT3 | 1730 PINEHURST DR BROOKINGS, SD 57006 | AFLAC | $35 | — | $35 | 0.01% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $33 | — | $33 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $33 | — | $33 | 0.01% |
| MARGARET A TURNER3 | 5201 S GLEN HAVEN PLACE SIOUX FALLS, SD 57108 | AFLAC | $29 | — | $29 | 0.01% |
| DOUGLAS D CARTER3 | 13654 387TH AVE ABERDEEN, SD 57401 | AFLAC | $29 | — | $29 | 0.01% |
| TARA G WEEMAN3 | 1021 S COURTLAND ST CHAMBERLAIN, SD 57325 | AFLAC | $28 | — | $28 | 0.01% |
| DANIEL J KNEIP3 | 603 5TH AVENUE BROOKINGS, SD 57006 | AFLAC | $26 | — | $26 | 0.01% |
| C SUE MCKENZIE3 | 20095 N TEALSTONE DR SURPRISE, AZ 85374 | AFLAC | $23 | — | $23 | 0.01% |
| VILEY REED3 | 21071 CATTAIL PL PIERRE, SD 57501 | AFLAC | $23 | — | $23 | 0.01% |
| RENALDUS N WENTZ3 | 2038 FOREST PARK DR BILLINGS, MT 59102 | AFLAC | $20 | — | $20 | 0.01% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $15 | $3 | $18 | 0.01% |
| BILLIE J HOFFMAN3 | 2927 445TH AVE GRAETTINGER, IA 51342 | AFLAC | $17 | — | $17 | 0.01% |
| RUSSELL J HANSON3 | 6601 W 61ST STREET SIOUX FALLS, SD 57106 | AFLAC | $16 | — | $16 | 0.01% |
| MERLE D BIEBER3 | 13289 HENNING CIRCLE NE PRIOR LAKE, MN 55372 | AFLAC | $16 | — | $16 | 0.01% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $8 | $4 | $12 | 0.00% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $10 | — | $10 | 0.00% |
| AMY HANSEN & ASSOCIATES, INC.3 Filed as: AMY HANSEN & ASSOCIATES INC | PO BOX 406 SPENCER, IA 51301 | AFLAC | $9 | — | $9 | 0.00% |
| DEBORAH KAE LEE3 | 1901 E 62ND STREET SIOUX FALLS, SD 57108 | AFLAC | $8 | — | $8 | 0.00% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY STREET SIOUX FALLS, SD 57108 | AFLAC | $5 | — | $5 | 0.00% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $4 | — | $4 | 0.00% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $4 | — | $4 | 0.00% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $4 | — | $4 | 0.00% |
| WENDY J SWANSON3 | 35111 260TH ST PUKWANA, SD 57370 | AFLAC | $3 | — | $3 | 0.00% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 1300 W 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 10.11% |
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 | 383 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 427 | $99K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 427 | $99K |
| Other(2 contracts, 2 carriers) | AFLAC | 427 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.