| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPEARFISH INSURANCE BROKERAGE3 | 125 E COLORADO BLVD 2F SPEARFISH, SD 57783 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $62K | — | $62K | 2.40% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $12K | — | $12K | 6.31% |
| BRANDI L BORDERS3 | 4101 HALL ST RAPID CITY, SD 57702 | AFLAC | $6K | $187 | $6K | 3.17% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $4K | $9 | $4K | 1.85% |
| CASEY A MILLER3 | 39640 233RD ST WOONSOCKET, SD 57385 | AFLAC | $3K | — | $3K | 1.36% |
| JEREMY ALLEN TIMMERMANS3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $2K | — | $2K | 1.19% |
| ERICA ALISSAND ENCINAS3 | 1980 SEGER DR LOT 66 RAPID CITY, SD 57701 | AFLAC | $2K | — | $2K | 1.00% |
| KAYLA R YACKLEY3 | 24692 TRIPLE M RNCH HERMOSA, SD 57744 | AFLAC | $1K | $43 | $1K | 0.62% |
| PATSY ROBERTSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $956 | — | $956 | 0.49% |
| KARLA JEAN KENDRICK3 | 633 E SIOUX AVE STE 9 PIERRE, SD 57501 | AFLAC | $949 | — | $949 | 0.49% |
| JACKIE M HOERNER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $828 | — | $828 | 0.43% |
| JEREMY ALLEN TIMMERMANS3 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $734 | — | $734 | 0.38% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $620 | — | $620 | 0.32% |
| SCOTT LANENGA3 | PO BOX 226 FORT PIERRE, SD 57532 | AFLAC | $598 | — | $598 | 0.31% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $579 | — | $579 | 0.30% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $558 | — | $558 | 0.29% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $536 | — | $536 | 0.28% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $519 | — | $519 | 0.27% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $518 | — | $518 | 0.27% |
| BROOKE A GEDDES3 | 1808 IRON HORSE LOOP SPEARFISH, SD 57783 | AFLAC | $369 | — | $369 | 0.19% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DR INGLESIDE, TX 78362 | AFLAC | $359 | — | $359 | 0.18% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $335 | — | $335 | 0.17% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $326 | — | $326 | 0.17% |
| AMANDA JEAN WEBSTER3 | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $307 | $9 | $316 | 0.16% |
| RENAE SALLQUIST KNOPF3 | 1716 W GRAND ARBOR CIRCLE SIOUX FALLS, SD 57108 | AFLAC | $306 | — | $306 | 0.16% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $300 | — | $300 | 0.15% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $297 | — | $297 | 0.15% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DR RAPID CITY, SD 57702 | AFLAC | $294 | — | $294 | 0.15% |
| TRACY L HOSTLER3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $204 | — | $204 | 0.10% |
| ANGIE S PEARSON3 | 901 W HANSON AVE MITCHELL, SD 57301 | AFLAC | $201 | — | $201 | 0.10% |
| SARAH M SCHOENFELDER3 | 40896 272ND ST DIMOCK, SD 57331 | AFLAC | $191 | — | $191 | 0.10% |
| ERICCA J PAUL3 | 301 W OPAL LN APT A HARFORD, SD 57033 | AFLAC | $174 | — | $174 | 0.09% |
| ASHELY BENNETT LLC3 | 16 2ND AVE SW ABERDEEN, SD 57401 | AFLAC | $163 | — | $163 | 0.08% |
| SHANNON R JEPSEN3 | 115 BROADWAY AVE STE 3 YANKTON, SD 57078 | AFLAC | $146 | — | $146 | 0.08% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $141 | — | $141 | 0.07% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $131 | — | $131 | 0.07% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $107 | — | $107 | 0.06% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $98 | — | $98 | 0.05% |
| RABECCA J SANGARE3 | 815 15TH AVE NE APT 9 ABERDEEN, SD 57401 | AFLAC | $97 | — | $97 | 0.05% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $94 | — | $94 | 0.05% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $82 | — | $82 | 0.04% |
| CHASE SCHOENHARD3 | 526 NORTH DAKOTA ST VERMILLION, SD 57069 | AFLAC | $71 | — | $71 | 0.04% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $64 | — | $64 | 0.03% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $64 | — | $64 | 0.03% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $64 | — | $64 | 0.03% |
| STEPHANIE O GASTON3 | 710 SAN MARCO BLVD RAPID CITY, SD 57702 | AFLAC | $64 | — | $64 | 0.03% |
| SHARON D GROVE3 | 1605 S LARKSPUR TRL SIOUX FALLS, SD 57106 | AFLAC | $57 | — | $57 | 0.03% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $51 | — | $51 | 0.03% |
| JESSICA M VANDERHAM3 | PO BOX 264 STICKNEY, SD 57375 | AFLAC | $49 | — | $49 | 0.03% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $49 | — | $49 | 0.03% |
| SARA PETERSEK3 | 28665 326TH AVE COLOME, SD 57528 | AFLAC | $45 | — | $45 | 0.02% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $44 | — | $44 | 0.02% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $44 | — | $44 | 0.02% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $43 | — | $43 | 0.02% |
| CHAD J SHANK3 | 4917 WINNETKA AVE N MINNEAPOLIS, MN 55428 | AFLAC | $41 | — | $41 | 0.02% |
| CHRISTINA M SCHILLING3 | 501 W MAIN AVE FORT PIERRE, SD 57532 | AFLAC | $41 | — | $41 | 0.02% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH J LANGENFIELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $37 | — | $37 | 0.02% |
| MELISSA K LEFERS3 | 217 N CHERRY ST LENNOX, SD 57039 | AFLAC | $36 | — | $36 | 0.02% |
| MARK E POPE3 | 2102 E ERKSINE ST PIERRE, SD 57501 | AFLAC | $34 | — | $34 | 0.02% |
| JEREMY E GUTHMILLER3 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $32 | — | $32 | 0.02% |
| DESIREE J MENDEL3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $30 | — | $30 | 0.02% |
| CHARLOTTE HEIM3 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC | $30 | — | $30 | 0.02% |
| ANGELA MARIE DUNCAN3 | 611 CUSTER ST SPEARFISH, SD 57783 | AFLAC | $29 | — | $29 | 0.01% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.01% |
| KRIS L LEDUC3 | 514 AMERICAS WAY 8202 BOX ELDER, SD 57719 | AFLAC | $28 | — | $28 | 0.01% |
| JANEL P HEIDEBRINK3 | 101 TEXAS ST RAPID CITY, SD 57701 | AFLAC | $28 | — | $28 | 0.01% |
| CECILEE J STREETMAN3 | 4010 ELM AVE 108 RAPID CITY, SD 57701 | AFLAC | $27 | — | $27 | 0.01% |
| HERMAN PETERSEN3 Filed as: HERMAN C PETERSEN | 3728 FOX RUN PL SIOUX FALLS, SD 57103 | AFLAC | $26 | — | $26 | 0.01% |
| SONJA F CAMPBELL3 | 29536 SD HWY 34 PIERRE, SD 57501 | AFLAC | $26 | — | $26 | 0.01% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $25 | — | $25 | 0.01% |
| TAMARA WILLIAMS3 | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $23 | — | $23 | 0.01% |
| CLAYTON BICKEL3 | 3527 SIMPSON DR RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $21 | — | $21 | 0.01% |
| LINDA G LESSELYOUNG3 Filed as: LINDA G LESSEL YOUNG | 1730 TERRITORIAL RD MADISON, SD 57042 | AFLAC | $20 | — | $20 | 0.01% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $18 | — | $18 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $18 | — | $18 | 0.01% |
| TAMARA WILLIAMS3 | 3922 SOUTHWESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $17 | — | $17 | 0.01% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $17 | — | $17 | 0.01% |
| JODY L WALK3 | 30207 CHEVAL ST MOUNT DORA, FL 32757 | AFLAC | $15 | — | $15 | 0.01% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $15 | — | $15 | 0.01% |
| MIDWEST AGENTS OF INS INC3 | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $15 | — | $15 | 0.01% |
| RICHARD DEAN ROORDA3 | 1224 6TH AVE BELLE FOURCHE, SD 57717 | AFLAC | $15 | — | $15 | 0.01% |
| BECKY SANGARE LLC3 | 815 15TH AVE NE APT 9 ABERDEEN, SD 57401 | AFLAC | $11 | — | $11 | 0.01% |
| MARK D COMSTOCK3 | 302 GAUSE AVE MILBANK, SD 57252 | AFLAC | $11 | — | $11 | 0.01% |
| JOSEPH A SORENSEN3 | 4954 S 174TH ST OMAHA, NE 68135 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $10 | — | $10 | 0.01% |
| JEANNE M HARTMAN3 | 39335 BROADLAND ST HURON, SD 57350 | AFLAC | $10 | — | $10 | 0.01% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $8 | — | $8 | 0.00% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $7 | — | $7 | 0.00% |
| JESSE A REISCH3 | 1505 S MONTICELLO AVE SIOUX FALLS, SD 57106 | AFLAC | $7 | — | $7 | 0.00% |
| ANDREW D KRAMER3 | 6808 E STEAMBOAT TRL SIOUX FALLS, SD 57110 | AFLAC | $6 | — | $6 | 0.00% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $4 | — | $4 | 0.00% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS HONKE3 | 1306 RIVERVIEW DR HURON, SD 57350 | 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 | 16.48% |
| WELLMARK INC5 Filed as: WELLMARK INC ANCILLARY MARKETING DE | PO BOX 10481 DES MOINES, IA 50306 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.95% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 304 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 278 | $222K |
| Short-term disability | AFLAC | 278 | $194K |
| Long-term disability | AFLAC | 278 | $194K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 304 | $2.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 278 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
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.
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.