| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA J KREBER Filed as: PAMELA J. KREBER | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $3K | $219 | $4K | 6.68% |
| GUENOT ENTERPRISES INC | 1501 CENTRE ST, STE 101 RAPID CITY, SD 57703 | AFLAC | $912 | $74 | $986 | 1.83% |
| GREGORY A NESS Filed as: GREGORY A. NESS | 3701 WESTMOOR DR MOORHEAD, MN 56560 | AFLAC | $649 | $61 | $710 | 1.32% |
| AWS INC | 1919 W 57TH ST, STE 101 SIOUX FALLS, SD 57108 | AFLAC | $381 | $42 | $423 | 0.79% |
| JACLYN ROSE MANN | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $281 | $0 | $281 | 0.52% |
| SHAWNA STARR NYHAUG | 206 W MAPLE ST BERESFORD, SD 57004 | AFLAC | $261 | $0 | $261 | 0.48% |
| AMBER MARIE LIND | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $225 | $15 | $240 | 0.45% |
| RENAE SALLQUIST KNOPF | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $209 | $0 | $209 | 0.39% |
| JEREMY ALLEN TIMMERMANS | 46124 274TH ST CHANCELLOR, SD 57105 | AFLAC | $185 | $13 | $198 | 0.37% |
| THOMAS J CASSADY | 2731 12TH AVE S, STE B FARGO, ND 58103 | AFLAC | $166 | $12 | $178 | 0.33% |
| SHAWN D BENSER | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $158 | $12 | $170 | 0.32% |
| BRITTANY MARIE URAN | 13524 FRONTIER LOOP PIEDMONT, SD 57769 | AFLAC | $152 | $8 | $160 | 0.30% |
| MEHLBRECH INSURANCE INC | 47152 257TH ST CROOKS, SD 57020 | AFLAC | $129 | $0 | $129 | 0.24% |
| TRACY L HOSTLER | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $124 | $0 | $124 | 0.23% |
| MICHAEL BOLGER | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $106 | $0 | $106 | 0.20% |
| MICHAEL D EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $97 | $0 | $97 | 0.18% |
| ROBERTA JO ANDERSON | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $79 | $7 | $86 | 0.16% |
| DEBORAH KAE LEE | 4303 W TOWNSLEY PL SIOUX FALLS, SD 57108 | AFLAC | $77 | $0 | $77 | 0.14% |
| SARA KNEIP | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC | $66 | $0 | $66 | 0.12% |
| MICHAEL D EVANS JR Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $64 | $0 | $64 | 0.12% |
| TIMOTHY L CASS | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $59 | $0 | $59 | 0.11% |
| MELODY B THOMPSON | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $50 | $0 | $50 | 0.09% |
| THE PERRY GROUP INC Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $48 | $0 | $48 | 0.09% |
| APRIL MAE JORGENSEN | 9436 W BROEK DR SIOUX FALLS, SD 57106 | AFLAC | $42 | $0 | $42 | 0.08% |
| NAOMI C MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $40 | $0 | $40 | 0.07% |
| HEATHER ROWE | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $34 | $0 | $34 | 0.06% |
| CRAIG S STADTFELD | 1919 W 57TH ST, STE 101 SIOUX FALLS, SD 57108 | AFLAC | $28 | $5 | $33 | 0.06% |
| SHERRY M ADAMS | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $14 | $17 | $31 | 0.06% |
| MARGARET D WALKER | PO BOX 585 ODEBOLT, IA 51458 | AFLAC | $31 | $0 | $31 | 0.06% |
| ANDREA L SWEETER | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $29 | $0 | $29 | 0.05% |
| BLW INC | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $28 | $0 | $28 | 0.05% |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $27 | $0 | $27 | 0.05% |
| BROOKE A GEDDES | 2492 TUMBLE WEED TRL SPEARFISH, SD 57783 | AFLAC | $24 | $0 | $24 | 0.04% |
| JOLYNNE M MACK | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $23 | $0 | $23 | 0.04% |
| BRADLEY L WEISENBERGER | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $22 | $0 | $22 | 0.04% |
| SANDRA F STRANDLIEN | 2731 12TH AVE S, STE B FARGO, ND 58103 | AFLAC | $19 | $0 | $19 | 0.04% |
| PATTI L MOLSTAD | 433 MINNESOTA ST. RAPID CITY, SD 57701 | AFLAC | $18 | $0 | $18 | 0.03% |
| STEPHEN J KAPPENMAN II | PO BOX 272 STORM LAKE, IA 50588 | AFLAC | $17 | $0 | $17 | 0.03% |
| SHERI R MEIS | 1008 FRONTIER DR, STE 101 FERGUS FALLS, MN 56537 | AFLAC | $17 | $0 | $17 | 0.03% |
| JAMES D NICHOL | 520 WELLINGTON CT WEST FARGO, ND 58078 | AFLAC | $14 | $0 | $14 | 0.03% |
| MELISSA J BECK | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $13 | $0 | $13 | 0.02% |
| DOUGLAS HASLIP | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $13 | $0 | $13 | 0.02% |
| JEREMY L TOMLINSON | 8465 W WINCHESTER DR BOISE, ID 83704 | AFLAC | $13 | $0 | $13 | 0.02% |
| DAVID S DRISCOLL Filed as: DAVID DRISCOLL | 4110 E KAREN DR PHOENIX, AZ 85032 | AFLAC | $11 | $0 | $11 | 0.02% |
| GLEN DOUGLAS GABLE | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $10 | $0 | $10 | 0.02% |
| JEREMY E GUTHMILLER | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $10 | $0 | $10 | 0.02% |
| CHRIS A GUSTAFSON | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $10 | $0 | $10 | 0.02% |
| JUDITH R SIDES | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $9 | $0 | $9 | 0.02% |
| SCOTT C OLSEN | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $9 | $0 | $9 | 0.02% |
| JAMES L HAYES | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $9 | $0 | $9 | 0.02% |
| TERRY E ANDERSON | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $9 | $0 | $9 | 0.02% |
| COMPENSATION INSURANCE AGENCY INC | 5150 N 16TH ST, STE C253 PHOENIX, AZ 85016 | AFLAC | $8 | $0 | $8 | 0.01% |
| DIANE M HANSUM | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHELE K WILLEY | 100 S KENTUCKY AVE, STE 240 LAKELAND, FL 33801 | AFLAC | $6 | $0 | $6 | 0.01% |
| DAVID R LATTIMER | 3029 N SONORAN HILLS MESA, AZ 85207 | AFLAC | $5 | $0 | $5 | 0.01% |
| EUGENE BUTCH LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $3 | $0 | $3 | 0.01% |
| SANDRA F STRANDLIEN | 4840 AMBER VALLEY PKWY S, STE C FARGO, ND 58104 | AFLAC | $3 | $0 | $3 | 0.01% |
| RICHARD R KIMBROUGH | 6380 N PARK MEADOW WAY, APT 203 BOISE, ID 83713 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARK L DUNN | 2734 N RETIREMENT LN, APT C BOISE, ID 83704 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM M BARNETT | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | $0 | $1 | 0.00% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASSOCIATES INC. | PO BOX 89010 SIOUX FALLS, SD 57109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 15.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 115 | $1.2M |
| Dental | AFLAC | 75 | $54K |
| Vision | AFLAC | 75 | $54K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 75 | $77K |
| Short-term disability | AFLAC | 75 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.