| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA J KREBER4 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $4K | $186 | $4K | 5.25% |
| GUENOT ENTERPRISES INC4 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $1K | $101 | $1K | 1.51% |
| GREGORY A NESS4 | 3701 WESTMOOR DR MOORHEAD, MN 56560 | AFLAC | $695 | $15 | $710 | 0.92% |
| AWS INC4 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $558 | $43 | $601 | 0.77% |
| MELISSA J BECK4 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $472 | $16 | $488 | 0.63% |
| JACLYN ROSE MANN4 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $350 | — | $350 | 0.45% |
| BRITTANY MARIE URAN4 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $308 | $24 | $332 | 0.43% |
| AMBER MARIE LIND4 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $306 | $24 | $330 | 0.43% |
| RENAE SALLQUIST KNOPF4 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $243 | — | $243 | 0.31% |
| MELODY B THOMPSON4 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $169 | $27 | $196 | 0.25% |
| THOMAS J CASSADY4 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $176 | $3 | $179 | 0.23% |
| MEHLBRECH INSURANCE INC4 | 47152 257TH ST CROOKS, SD 57020 | AFLAC | $170 | — | $170 | 0.22% |
| JEREMY ALLEN TIMMERMANS4 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $167 | — | $167 | 0.22% |
| TRACY L HOSTLER4 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $144 | — | $144 | 0.19% |
| SHAWN D BENSER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $126 | — | $126 | 0.16% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $117 | — | $117 | 0.15% |
| MICHAEL BOLGER4 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $115 | — | $115 | 0.15% |
| SASHA CAMPBELL4 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $78 | $3 | $81 | 0.10% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $71 | — | $71 | 0.09% |
| SHAWNA STARR NYHAUG4 | 206 W MAPLE ST BERESFORD, SD 57004 | AFLAC | $70 | — | $70 | 0.09% |
| DEBORAH KAE LEE4 | 4303 W TOWNSLEY PL SIOUX FALLS, SD 57108 | AFLAC | $68 | — | $68 | 0.09% |
| ROBERTA JO ANDERSON4 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $65 | — | $65 | 0.08% |
| SARA KNEIP4 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $63 | — | $63 | 0.08% |
| BEVERLY M SEMMENS4 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $57 | — | $57 | 0.07% |
| MARGARET D WALKER4 | PO BOX 585 ODEBOLT, IA 51458 | AFLAC | $37 | — | $37 | 0.05% |
| THE PERRY GROUP INC4 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $37 | — | $37 | 0.05% |
| LISA K UHLIR4 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $36 | — | $36 | 0.05% |
| DAVID P AESOPH4 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $34 | — | $34 | 0.04% |
| APRIL MAE JORGENSEN4 | 9436 W BROEK DR SIOUX FALLS, SD 57106 | AFLAC | $33 | — | $33 | 0.04% |
| SHERRY M ADAMS4 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $33 | — | $33 | 0.04% |
| NAOMI C MCLAUGHLIN4 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $32 | — | $32 | 0.04% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $30 | — | $30 | 0.04% |
| BROOKE A GEDDES4 | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $29 | — | $29 | 0.04% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $27 | — | $27 | 0.03% |
| DOUGLAS HASLIP4 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $26 | — | $26 | 0.03% |
| SANDRA F STRANDLIEN4 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $25 | — | $25 | 0.03% |
| PATTI L MOLSTAD4 | 433 MINNESOTA ST RAPID CITY, SD 57701 | AFLAC | $22 | — | $22 | 0.03% |
| SHERI R MEIS4 | 1008 FRONTIER DR STE 101 FERGUS FALLS, MN 56537 | AFLAC | $21 | — | $21 | 0.03% |
| STEPHEN J KAPPENMAN II4 | PO BOX 11522 CHANDLER, AZ 85248 | AFLAC | $20 | — | $20 | 0.03% |
| TIMOTHY L CASS4 | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $18 | — | $18 | 0.02% |
| WILLIAM D WENBERG4 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $16 | — | $16 | 0.02% |
| JEREMY L TOMLINSON4 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $15 | — | $15 | 0.02% |
| JEREMY E GUTHMILLER4 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $14 | — | $14 | 0.02% |
| DAVID S DRISCOLL4 | 4110 E KAREN DR PHOENIX, AZ 85032 | AFLAC | $14 | — | $14 | 0.02% |
| CHRIS A GUSTAFSON4 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $13 | — | $13 | 0.02% |
| GLEN DOUGLAS GABLE4 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $13 | — | $13 | 0.02% |
| CRAIG S STADTFELD4 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $12 | — | $12 | 0.02% |
| CAREN A STRAATMEYER4 | 704 E 70TH PL SIOUX FALLS, SD 57108 | AFLAC | $12 | — | $12 | 0.02% |
| JUDITH R SIDES4 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.01% |
| JAMES L HAYES4 | 1547 CEDAR SPRINGS CT NORTH LIBERTY, IA 52317 | AFLAC | $11 | — | $11 | 0.01% |
| TERRY E ANDERSON4 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $11 | — | $11 | 0.01% |
| COMPENSATION INSURANCE AGENCY INC4 | 645 E MISSOURI AVE STE 119 PHOENIX, AZ 85012 | AFLAC | $10 | — | $10 | 0.01% |
| KENNETH W STEELE4 | PO BOX 88806 SIOUX FALLS, SD 57109 | AFLAC | $9 | — | $9 | 0.01% |
| DIANE M HANSUM4 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $9 | — | $9 | 0.01% |
| MICHELE K WILLEY4 | 122 E MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $7 | — | $7 | 0.01% |
| BLW INC4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID R LATTIMER4 | 6605 N 93RD AVE GLENDALE, AZ 85305 | AFLAC | $6 | — | $6 | 0.01% |
| HEATHER M BRAMER4 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.01% |
| RICHARD R KIMBROUGH4 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES D NICHOL4 | 520 WELLINGTON CT WEST FARGO, ND 58078 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE BUTCH LINSTER4 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.00% |
| NEFZGER ENTERPRISES INC4 Filed as: NEFZGER ENERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $3 | — | $3 | 0.00% |
| THEODORE W HONKE4 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY4 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA4 Filed as: STACEY SCHROCK | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $1 | — | $1 | 0.00% |
| MARK L DUNN4 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT4 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| BOEN & ASSOCIATES INC3 Filed as: BOEN & ASSOCIATES INC. | PO BOX 89010 SIOUX FALLS, SD 57109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 15.04% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.