| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FISHBACK INSURANCE AGENCY INC3 | 520 6TH STREET BROOKINGS, SD 57006 | AFLAC | $11K | — | $11K | 2.99% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $10K | $742 | $10K | 2.85% |
| MELODY B THOMPSON3 | 1212 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $3K | $100 | $3K | 0.89% |
| CASSIDY A GOLDSTINE3 | 7501 S DENTON AVE SIOUX FALLS, SD 57108 | AFLAC | $3K | $297 | $3K | 0.84% |
| JESSE VAL CURRIER3 | 2011 ELMWOOD DR BROOKINGS, SD 57006 | AFLAC | $3K | $116 | $3K | 0.79% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $3K | $236 | $3K | 0.78% |
| AWS INC3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $2K | $88 | $3K | 0.70% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $2K | — | $2K | 0.63% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $2K | — | $2K | 0.58% |
| BONNIE J BUSDICKER3 | 515 SAMARA AVE APT 14 VOLGA, SD 57071 | AFLAC | $2K | — | $2K | 0.57% |
| CASSIDY A GOLDSTINE3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $2K | — | $2K | 0.47% |
| MELISSA J BECK3 | 26505 LAKEVIEW PLACE HARTFORD, SD 57033 | AFLAC | $1K | $140 | $1K | 0.34% |
| MARK ROBERT HENDRICKS3 | 217 SANTEE PASS BROOKINGS, SD 57006 | AFLAC | $922 | — | $922 | 0.25% |
| LARRY L HULT3 | 2005 IOWA ST BROOKINGS, SD 57006 | AFLAC | $890 | — | $890 | 0.24% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $786 | — | $786 | 0.21% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $645 | — | $645 | 0.18% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $570 | — | $570 | 0.16% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $548 | — | $548 | 0.15% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET STE 101 SIOUX FALLS, SD 57108 | AFLAC | $380 | $79 | $459 | 0.13% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $448 | — | $448 | 0.12% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $438 | — | $438 | 0.12% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $414 | — | $414 | 0.11% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $374 | — | $374 | 0.10% |
| NANCY R VANDENBERGE3 | 5209 S SAND CHERRY CIR SIOUX FALLS, SD 57108 | AFLAC | $357 | — | $357 | 0.10% |
| JACQUELINE C NELSON3 | 1833 9TH AVE S BROOKINGS, SD 57006 | AFLAC | $356 | — | $356 | 0.10% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $307 | — | $307 | 0.08% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $264 | — | $264 | 0.07% |
| KIM R HARMS3 | 310 BIRCH AVE AURORA, SD 57002 | AFLAC | $243 | — | $243 | 0.07% |
| CONNIE L SALLQUIST3 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $175 | — | $175 | 0.05% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $172 | — | $172 | 0.05% |
| DOROTHY A KAMBACK3 | PO BOX 256 YANKTON, SD 57078 | AFLAC | $171 | — | $171 | 0.05% |
| SHIRLEE M HANSON3 | 7310 W 58TH STREET SIOUX FALLS, SD 57106 | AFLAC | $133 | — | $133 | 0.04% |
| RONDA ROSE-KAYSER3 | 2320 SIENNA CIR TEA, SD 57064 | AFLAC | $113 | — | $113 | 0.03% |
| KENNETH W STEELE3 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $95 | — | $95 | 0.03% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $89 | — | $89 | 0.02% |
| CAREN A STRAATMEYER3 | 704 E 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $77 | — | $77 | 0.02% |
| MARY L SAVOLD3 | 3430 S SHELDON LN APT 207 SIOUX FALLS, SD 57105 | AFLAC | $74 | — | $74 | 0.02% |
| JASON MACK3 | 1623 7TH ST. NE WATERTOWN, SD 57201 | AFLAC | $72 | — | $72 | 0.02% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $71 | — | $71 | 0.02% |
| ABBY J BREITLING3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $63 | — | $63 | 0.02% |
| KRISTA M MERRITT3 | 1730 PINEHURST DR BROOKINGS, SD 57006 | AFLAC | $49 | — | $49 | 0.01% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $41 | — | $41 | 0.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $40 | — | $40 | 0.01% |
| JADE COMPANIES LLC3 | 1212 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $38 | — | $38 | 0.01% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $37 | — | $37 | 0.01% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC | $34 | — | $34 | 0.01% |
| TEMPLE K WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $33 | — | $33 | 0.01% |
| DOUGLAS D CARTER3 | 13654 387TH AVE ABERDEEN, SD 57401 | AFLAC | $29 | — | $29 | 0.01% |
| CITIZENS STATE BANK3 | PO BOX 378 ARLINGTON, SD 57212 | AFLAC | $27 | — | $27 | 0.01% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $23 | — | $23 | 0.01% |
| JOEL DOCKTER3 | 1705 MARSHALL RD ABERDEEN, SD 57401 | AFLAC | $23 | — | $23 | 0.01% |
| RENALDUS N WENTZ3 | 2038 FOREST PARK DR BILLINGS, MT 59102 | AFLAC | $20 | — | $20 | 0.01% |
| CHARLES J MEHLBRECH3 | 230 E CENTER AVE SALEM, SD 57058 | AFLAC | $20 | — | $20 | 0.01% |
| DANIEL J KNEIP3 | 603 5TH AVENUE BROOKINGS, SD 57006 | AFLAC | $19 | — | $19 | 0.01% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $19 | — | $19 | 0.01% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $18 | — | $18 | 0.00% |
| TARA G WEEMAN3 | 1021 S COURTLAND ST CHAMBERLAIN, SD 57325 | AFLAC | $14 | — | $14 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E. ST ST PAUL, MN 55106 | AFLAC | $13 | — | $13 | 0.00% |
| CAROL FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $13 | — | $13 | 0.00% |
| CHRISTIE L WOOKEY3 | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.00% |
| JULIA KREJCHI3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.00% |
| TRAVIS L WILLEY3 | 13909 RIVER WILLOW PL TAMPA, FL 33637 | AFLAC | $12 | — | $12 | 0.00% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $11 | — | $11 | 0.00% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $10 | — | $10 | 0.00% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $10 | — | $10 | 0.00% |
| TIMOTHY L CASS3 | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $9 | — | $9 | 0.00% |
| CAREY J WILKENS3 | 557 DAM RD PO BOX 262 ARNOLDS PARK, IA 51331 | AFLAC | $8 | — | $8 | 0.00% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $7 | — | $7 | 0.00% |
| WENDY J SWANSON3 | 35111 260TH ST PUKWANA, SD 57370 | AFLAC | $7 | — | $7 | 0.00% |
| JULIA KREJCHI3 Filed as: JULIA MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $7 | — | $7 | 0.00% |
| TRAVIS L WILLEY3 | 100 S KENTUCKY AVE STE 240 LAKELAND, FL 33801 | AFLAC | $6 | — | $6 | 0.00% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $6 | — | $6 | 0.00% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $4 | — | $4 | 0.00% |
| MARY E NOSBUSH3 | PO BOX 14 GARY, SD 57237 | AFLAC | $4 | — | $4 | 0.00% |
| SECURE BENEFITS SYSTEMS CORP3 Filed as: SECURE BENEFITS SYSTEMS | PO BOX 469 OKOBOJI, IA 51355 | AFLAC | $3 | — | $3 | 0.00% |
| JEREMY D FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $3 | — | $3 | 0.00% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $3 | — | $3 | 0.00% |
| MICHELE K WILLEY3 | 2778 CANYON CREST DR LAKELAND, FL 33811 | AFLAC | $3 | — | $3 | 0.00% |
| MICHELE K WILLEY3 | 500 S FLORIDA AVE STE 400-12 LAKELAND, FL 33801 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $1 | — | $1 | 0.00% |
| CORY L CAMPBELL3 Filed as: CORY L. CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $3K | $10K | 17.53% |
| 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 | $3K | $8K | 13.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC. | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $2K | $6K | 14.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP | 11516 MIRACLE HILLS DR STE 105 OMAHA, NE 681545311 | VISION SERVICE PLAN | $983 | — | $983 | 4.95% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 493 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 590 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 589 | $56K |
| Other(3 contracts, 2 carriers) | AFLAC | 590 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.