| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $7K | $80 | $7K | 5.59% |
| PATSY ROBERTSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $5K | $76 | $5K | 4.26% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $2K | $60 | $2K | 1.40% |
| KARLA JEAN KENDRICK3 | 29009 199TH STREET PIERRE, SD 57501 | AFLAC | $954 | — | $954 | 0.75% |
| MARGEAU LOWE3 | 309 BIG BADGER DR BOX ELDER, SD 57719 | AFLAC | $914 | $4 | $918 | 0.72% |
| AMBER MARIE LIND3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $917 | — | $917 | 0.72% |
| NICHOLAS HONKE3 | 1306 RIVERVIEW DR HURON, SD 57350 | AFLAC | $891 | — | $891 | 0.70% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $888 | — | $888 | 0.70% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $727 | $123 | $850 | 0.67% |
| JEREMY ALLEN TIMMERMANS3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $597 | $69 | $666 | 0.52% |
| MELISSA K LEFERS3 | 217 N CHERRY ST LENNOX, SD 57039 | AFLAC | $650 | — | $650 | 0.51% |
| MELISSA K LEFERS3 | 520 DAKOTA ST CHANCELLOR, SD 57015 | AFLAC | $562 | — | $562 | 0.44% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $547 | — | $547 | 0.43% |
| STEPHANIE O GASTON3 | 710 SAN MARCO BLVD RAPID CITY, SD 57702 | AFLAC | $485 | $22 | $507 | 0.40% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $497 | — | $497 | 0.39% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $451 | — | $451 | 0.36% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $335 | $15 | $350 | 0.28% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $348 | — | $348 | 0.27% |
| RABECCA J SANGARE3 | 815 15TH AVE NE APT 9 ABERDEEN, SD 57401 | AFLAC | $306 | — | $306 | 0.24% |
| CASEY A MILLER3 | 39640 233RD ST WOONSOCKET, SD 57385 | AFLAC | $206 | $68 | $274 | 0.22% |
| SHON FORD LLC3 Filed as: SHON S FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $241 | $2 | $243 | 0.19% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $229 | $14 | $243 | 0.19% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $205 | — | $205 | 0.16% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $167 | — | $167 | 0.13% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $101 | $55 | $156 | 0.12% |
| ASHLEY BENNETT LLC3 | 405 8TH AVE NW STE 327 ABERDEEN, SD 57401 | AFLAC | $143 | — | $143 | 0.11% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $137 | — | $137 | 0.11% |
| JAMIE DUBBELDE3 | 469 COYOTE TRL BOX ELDER, SD 57719 | AFLAC | $108 | — | $108 | 0.09% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $90 | — | $90 | 0.07% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH J LANGENFIELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $64 | $14 | $78 | 0.06% |
| RABECCA J SANGARE3 | 1023 S JAY ST APT 5 ABERDEEN, SD 57401 | AFLAC | $77 | — | $77 | 0.06% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $76 | — | $76 | 0.06% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $71 | — | $71 | 0.06% |
| TAMARA WILLIAMS3 | 5901 S HALLOW AVE SIOUX FALLS, SD 57106 | AFLAC | $53 | $14 | $67 | 0.05% |
| SHARON D GROVE3 | 1605 S LARKSPUR TRL SIOUX FALLS, SD 57106 | AFLAC | $64 | — | $64 | 0.05% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $58 | — | $58 | 0.05% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, WI 57042 | AFLAC | $54 | — | $54 | 0.04% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $52 | — | $52 | 0.04% |
| JODY L WALK3 | 2445 LAKE VISTA CT APT 115 CASSELBERRY, FL 32707 | AFLAC | $50 | — | $50 | 0.04% |
| MARK E POPE3 | 2102 E ERSKINE ST PIERRE, SD 57501 | AFLAC | $40 | $9 | $49 | 0.04% |
| JEREMY ALLEN TIMMERMANS3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $46 | — | $46 | 0.04% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $44 | — | $44 | 0.03% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $44 | — | $44 | 0.03% |
| CHRISTINA M SCHILLING3 | 501 W MAIN AVE FORT PIERRE, SD 57532 | AFLAC | $43 | — | $43 | 0.03% |
| SARA PETERSEK3 | 28665 326TH AVE COLOME, SD 57528 | AFLAC | $41 | — | $41 | 0.03% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $40 | — | $40 | 0.03% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $40 | — | $40 | 0.03% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $39 | — | $39 | 0.03% |
| CHAD J SHANK3 | 4917 WINNETKA AVE N MINNEAPOLIS, MN 55428 | AFLAC | $38 | — | $38 | 0.03% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $37 | — | $37 | 0.03% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $36 | — | $36 | 0.03% |
| JEREMY E GUTHMILLER3 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $36 | — | $36 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $34 | — | $34 | 0.03% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $34 | — | $34 | 0.03% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $34 | — | $34 | 0.03% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $29 | — | $29 | 0.02% |
| CHARLOTTE HEIM3 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC | $27 | — | $27 | 0.02% |
| CECILEE J STREETMAN3 | 4010 ELM AVE APT 108 RAPID CITY, SD 57701 | AFLAC | $25 | — | $25 | 0.02% |
| HERMAN PETERSEN3 Filed as: HERMAN C PETERSEN | 3728 FOX RUN PL SIOUX FALLS, SD 57103 | AFLAC | $24 | — | $24 | 0.02% |
| JESSE A REISCH3 | 1505 S MONTICELLO AVE SIOUX FALLS, SD 57106 | AFLAC | $21 | — | $21 | 0.02% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $20 | — | $20 | 0.02% |
| JESSICA M VANDERHAM3 | PO BOX 264 STICKNEY, SD 57375 | AFLAC | $20 | — | $20 | 0.02% |
| KRIS L LEDUC3 | PO BOX 843 CUSTER, SD 57730 | AFLAC | $19 | — | $19 | 0.01% |
| LINDA G LESSELYOUNG3 Filed as: LINDA G LESSEL YOUNG | 1730 TERRITORIAL RD MADISON, SD 57042 | AFLAC | $18 | — | $18 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $17 | — | $17 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $16 | — | $16 | 0.01% |
| WILLAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $14 | — | $14 | 0.01% |
| MIDWEST AGENTS OF INS INC3 | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $14 | — | $14 | 0.01% |
| RICHARD DEAN ROORDA3 | 1224 6TH AVE BELLE FOURCHE, SD 57717 | AFLAC | $14 | — | $14 | 0.01% |
| JOSEPH A SORENSEN3 | 1008 GRAND VIEW DR BERESFORD, SD 57004 | AFLAC | $13 | — | $13 | 0.01% |
| MARK D COMSTOCK3 | 302 GAUSE AVE MILBANK, SD 57252 | AFLAC | $10 | — | $10 | 0.01% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $9 | — | $9 | 0.01% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $9 | — | $9 | 0.01% |
| KRIS L LEDUC3 | 541 BUCKHORN DR CUSTER, SD 57730 | AFLAC | $7 | — | $7 | 0.01% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $6 | — | $6 | 0.00% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $6 | — | $6 | 0.00% |
| DIANN J HUISENGA3 | 540 E JESSE CT TEA, SD 57064 | AFLAC | $6 | — | $6 | 0.00% |
| ANDREW D KRAMER3 | 6808 E STEAMBOAT TRL SIOUX FALLS, SD 57110 | AFLAC | $6 | — | $6 | 0.00% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $6 | — | $6 | 0.00% |
| KAY JOHNSON3 | 1815 FLAG MOUNTAIN DR PIERRE, SD 57501 | AFLAC | $4 | — | $4 | 0.00% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $3 | — | $3 | 0.00% |
| JEANNE M HARTMAN3 | 39335 BROADLAND ST HURON, SD 57350 | AFLAC | $2 | — | $2 | 0.00% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $1 | — | $1 | 0.00% |
| WESTERN DAKOTA INSURORS3 Filed as: WESTERN DAKOTA INSURERS INC | 816 FIFTH STREET RAPID CITY, SD 57709 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.41% |
| WELLMARK INC5 Filed as: WELLMARK INC ANCILLARY MARKETING DE | PO BOX 10481 DES MOINES, IA 50306 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.74% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 231 | $158K |
| Short-term disability | AFLAC | 231 | $127K |
| Long-term disability | AFLAC | 231 | $127K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 0 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 231 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.