| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FISHBACK INSURANCE AGENCY INC3 | 520 6TH STREET BROOKINGS, SD 57006 | AFLAC | $9K | — | $9K | 3.07% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $5K | $39 | $5K | 1.59% |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $3K | $33 | $3K | 0.98% |
| CASSIDY A GOLDSTINE3 | 7501 S DENTON AVE SIOUX FALLS, SD 57108 | AFLAC | $3K | $166 | $3K | 0.96% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $3K | $37 | $3K | 0.90% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $2K | — | $2K | 0.83% |
| BONNIE J BUSDICKER3 | BOX 47 VOLGA, SD 57071 | AFLAC | $2K | — | $2K | 0.73% |
| CHRIS A GUSTAFSON3 | 928 N. DUBUQUE AVE SIOUX FALLS, SD 57110 | AFLAC | $2K | $306 | $2K | 0.62% |
| RONDA ROSE-KAYSER3 | 2320 SIENNA CIR TEA, SD 57064 | AFLAC | $2K | — | $2K | 0.55% |
| NANCY R VANDENBERGE3 | 5209 S SAND CHERRY CIR SIOUX FALLS, SD 57108 | AFLAC | $2K | $31 | $2K | 0.54% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $1K | $69 | $1K | 0.47% |
| AWS INC3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $1K | $69 | $1K | 0.37% |
| MARK ROBERT HENDRICKS3 | 217 SANTEE PASS BROOKINGS, SD 57006 | AFLAC | $1K | — | $1K | 0.34% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $904 | — | $904 | 0.30% |
| LARRY L HULT3 | 2005 IOWA ST BROOKINGS, SD 57006 | AFLAC | $887 | — | $887 | 0.30% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $748 | — | $748 | 0.25% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $569 | — | $569 | 0.19% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $565 | — | $565 | 0.19% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $506 | — | $506 | 0.17% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $485 | — | $485 | 0.16% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $415 | — | $415 | 0.14% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $377 | — | $377 | 0.13% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $247 | $128 | $375 | 0.13% |
| JACQUELINE C NELSON3 | 1833 9TH AVE S BROOKINGS, SD 57006 | AFLAC | $333 | — | $333 | 0.11% |
| KIM R HARMS3 | PO BOX 184 COLMAN, SD 57017 | AFLAC | $251 | — | $251 | 0.08% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $244 | — | $244 | 0.08% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $206 | — | $206 | 0.07% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $181 | — | $181 | 0.06% |
| DOROTHY A KAMBACK3 | PO BOX 256 YANKTON, SD 57078 | AFLAC | $180 | — | $180 | 0.06% |
| CONNIE L SALLQUIST3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $154 | — | $154 | 0.05% |
| JASON MACK3 | 1623 7TH ST. NE WATERTOWN, SD 57201 | AFLAC | $128 | — | $128 | 0.04% |
| SHIRLEE M HANSON3 | 7310 W 58TH STREET SIOUX FALLS, SD 57108 | AFLAC | $119 | — | $119 | 0.04% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $106 | — | $106 | 0.04% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $91 | — | $91 | 0.03% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $88 | — | $88 | 0.03% |
| CAREN A STRAATMEYER3 | 704 E 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $71 | — | $71 | 0.02% |
| MARY L SAVOLD3 | 3430 S SHELDON LN APT 207 SIOUX FALLS, SD 57105 | AFLAC | $68 | — | $68 | 0.02% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $62 | — | $62 | 0.02% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $59 | — | $59 | 0.02% |
| CITIZENS STATE BANK3 | PO BOX 378 ARLINGTON, SD 57212 | AFLAC | $51 | — | $51 | 0.02% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $50 | — | $50 | 0.02% |
| KRISTA M MERRITT3 | 1730 PINEHURST DR BROOKINGS, SD 57006 | AFLAC | $46 | — | $46 | 0.02% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $44 | — | $44 | 0.01% |
| GILDA J H THURY3 | PO BOX 108 ARLINGTON, SD 57212 | AFLAC | $43 | — | $43 | 0.01% |
| CHARLES J MEHLBRECH3 | 230 E CENTER AVE SALEM, SD 57058 | AFLAC | $39 | — | $39 | 0.01% |
| JADE COMPANIES LLC3 | 1212 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $35 | — | $35 | 0.01% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $33 | — | $33 | 0.01% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $30 | — | $30 | 0.01% |
| DOUGLAS D CARTER3 | 13654 387TH AVE ABERDEEN, SD 57401 | AFLAC | $27 | — | $27 | 0.01% |
| TARA G WEEMAN3 | 1021 S COURTLAND ST CHAMBERLAIN, SD 57325 | AFLAC | $26 | — | $26 | 0.01% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $22 | — | $22 | 0.01% |
| RENALDUS N WENTZ3 | 2038 FOREST PARK DR BILLINGS, MT 59102 | AFLAC | $18 | — | $18 | 0.01% |
| PEAK INC3 | 1130 S BURR STE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $18 | — | $18 | 0.01% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $17 | — | $17 | 0.01% |
| JULIA KREJCHI3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $17 | — | $17 | 0.01% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $16 | — | $16 | 0.01% |
| DANIEL J KNEIP3 | 603 5TH AVENUE BROOKINGS, SD 57006 | AFLAC | $15 | — | $15 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE E. ST ST PAUL, MN 55106 | AFLAC | $15 | — | $15 | 0.01% |
| WENDY J SWANSON3 | 35111 260TH ST PUKWANA, SD 57370 | AFLAC | $13 | — | $13 | 0.00% |
| CHRISTIE L WOOKEY3 | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.00% |
| DIANE M HANSUM3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $12 | — | $12 | 0.00% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $12 | — | $12 | 0.00% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $11 | — | $11 | 0.00% |
| VILEY REED3 | 21071 CATTAIL PL PIERRE, SD 57501 | AFLAC | $11 | — | $11 | 0.00% |
| JASON MACK3 | 605 2ND STREET NE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.00% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $9 | — | $9 | 0.00% |
| ANNE E MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | 0.00% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $7 | — | $7 | 0.00% |
| ROBIN R NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $6 | — | $6 | 0.00% |
| ANNE E MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.00% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL J HANSON3 | 6601 W 61ST STREET SIOUX FALLS, SD 57106 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | — | — | $0 | 0.00% |
| CORY L CAMPBELL3 Filed as: CORY L. CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | — | — | $0 | 0.00% |
| MELODY B THOMPSON3 Filed as: MELODY B. THOMPSON | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | — | — | $0 | 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 | $1K | — | $1K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 14.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 11.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR STE 105 OMAHA, NE 681545311 | VSP | $981 | — | $981 | 5.95% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 489 | $93K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 488 | $66K |
| Other(4 contracts, 3 carriers) | AFLAC | 489 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.