| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPEARFISH INSURANCE BROKERAGE3 | 125 E COLORADO BLVD 2F SPEARFISH, SD 57783 | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | $35K | — | $35K | 1.39% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $11K | $658 | $12K | 5.23% |
| CASEY A MILLER3 | 39640 233RD ST WOONSOCKET, SD 57385 | AFLAC | $5K | $285 | $5K | 2.35% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $3K | $197 | $3K | 1.45% |
| JACKIE MARIE BAUER3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $3K | $80 | $3K | 1.34% |
| TAMI MULDER3 | 1707 PENNINGTON ST RAPID CITY, SD 57703 | AFLAC | $2K | $82 | $2K | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STACEY J BROWN | 5290 PINE TREE DR RAPID CITY, SD 57702 | AFLAC | $2K | $60 | $2K | 0.73% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $1K | $89 | $1K | 0.61% |
| KARLA JEAN KENDRICK3 | 633 E SIOUX AVE STE 9 PIERRE, SD 57501 | AFLAC | $1K | $44 | $1K | 0.48% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $893 | $11 | $904 | 0.41% |
| JEREMY ALLEN TIMMERMANS3 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $641 | — | $641 | 0.29% |
| PATSY ROBERTSON3 | 32239 PONDEROSA DR 29 BURBANK, SD 57010 | AFLAC | $637 | — | $637 | 0.29% |
| DALTON JAMES ENG3 | 206 E KEMP AVE WATERTOWN, SD 57201 | AFLAC | $456 | — | $456 | 0.21% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $365 | $62 | $427 | 0.19% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $413 | $13 | $426 | 0.19% |
| SHARON M ABERLE3 | 3001 LAZELLE ST LOT 16 STURGIS, SD 57785 | AFLAC | $416 | — | $416 | 0.19% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $407 | — | $407 | 0.18% |
| CAROL A BENDER3 | 2969 ATLANTIC BLVD APT 1114 INGLESIDE, TX 78362 | AFLAC | $348 | — | $348 | 0.16% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $306 | — | $306 | 0.14% |
| BROOKE A GEDDES3 | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $271 | — | $271 | 0.12% |
| JENNIFER GENANT3 | 407 S 4TH ST PARKSTON, SD 57366 | AFLAC | $244 | $26 | $270 | 0.12% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $251 | — | $251 | 0.11% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $250 | — | $250 | 0.11% |
| RENAE SALLQUIST KNOPF3 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $195 | — | $195 | 0.09% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $183 | — | $183 | 0.08% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $182 | — | $182 | 0.08% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $161 | $2 | $163 | 0.07% |
| ANGIE S PEARSON3 | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $150 | — | $150 | 0.07% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $118 | — | $118 | 0.05% |
| AMANDA JEAN WEBSTER3 | 13016 ADVENTURE CT GLENHAM, SD 57631 | AFLAC | $106 | — | $106 | 0.05% |
| BECKY SANGARE LLC3 | 14730 LOS LUNAS RD HELOTES, TX 78023 | AFLAC | $80 | $8 | $88 | 0.04% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $87 | — | $87 | 0.04% |
| THEODORE W HONKE3 | 29478 US HWY 281 LAKE ANDES, SD 57356 | AFLAC | $85 | — | $85 | 0.04% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $83 | — | $83 | 0.04% |
| RIVER VIEW INC3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $76 | — | $76 | 0.03% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $69 | — | $69 | 0.03% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $63 | — | $63 | 0.03% |
| STEPHANIE O GASTON3 | 710 SAN MARCO BLVD RAPID CITY, SD 57702 | AFLAC | $62 | — | $62 | 0.03% |
| SHARON D GROVE3 | 1605 S LARKSPUR TRL SIOUX FALLS, SD 57106 | AFLAC | $62 | — | $62 | 0.03% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $60 | — | $60 | 0.03% |
| JESSICA M VANDERHAM3 | PO BOX 264 STICKNEY, SD 57375 | AFLAC | $58 | — | $58 | 0.03% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $55 | — | $55 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $52 | — | $52 | 0.02% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $52 | — | $52 | 0.02% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $49 | — | $49 | 0.02% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $41 | $8 | $49 | 0.02% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $45 | — | $45 | 0.02% |
| SARA PETERSEK3 | 28665 326TH AVE COLOME, SD 57528 | AFLAC | $45 | — | $45 | 0.02% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $44 | — | $44 | 0.02% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $44 | — | $44 | 0.02% |
| CHAD J SHANK3 | 4917 WINNETKA AVE N MINNEAPOLIS, MN 55428 | AFLAC | $41 | — | $41 | 0.02% |
| JACLYN ROSE MANN3 | PO BOX 566 RAPID CITY, SD 57709 | AFLAC | $41 | — | $41 | 0.02% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $40 | — | $40 | 0.02% |
| SARAH M SCHOENFELDER3 | 40896 272ND ST DIMOCK, SD 57331 | AFLAC | $37 | — | $37 | 0.02% |
| TAMARA WILLIAMS3 | 5409 CANNA CT PORT ORANGE, FL 32128 | AFLAC | $36 | — | $36 | 0.02% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $36 | — | $36 | 0.02% |
| KRISTIN FISCHER3 | 1211 CURRY ST SCOTLAND, SD 57059 | AFLAC | $23 | $11 | $34 | 0.02% |
| JEREMY E GUTHMILLER3 Filed as: JEREMY G GUTHMILLER | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $32 | — | $32 | 0.01% |
| CHRISTINA M SCHILLING3 | 501 W MAIN AVE FORT PIERRE, SD 57532 | AFLAC | $30 | — | $30 | 0.01% |
| CASEY BREN3 | 372 S LAKE DR WATERTOWN, SD 57201 | AFLAC | $30 | — | $30 | 0.01% |
| CHARLOTTE HEIM3 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC | $30 | — | $30 | 0.01% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $30 | — | $30 | 0.01% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | 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% |
| KAYLA R YACKLEY3 | 24692 TRIPLE M RNCH HERMOSA, SD 57744 | AFLAC | $26 | — | $26 | 0.01% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $24 | — | $24 | 0.01% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $24 | — | $24 | 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 | $19 | — | $19 | 0.01% |
| MELISSA K LEFERS3 | PO BOX 29 LENNOX, SD 57039 | AFLAC | $18 | — | $18 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $18 | — | $18 | 0.01% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $17 | — | $17 | 0.01% |
| MARK E POPE3 | 2102 E ERSKINE ST PIERRE, SD 57501 | AFLAC | $17 | — | $17 | 0.01% |
| JODY L WALK3 | 35689 ROSE MOSS AVE LEESBURG, FL 34788 | 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% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $15 | — | $15 | 0.01% |
| DENISE M ERICKSON3 | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $13 | — | $13 | 0.01% |
| MARK D COMSTOCK3 | 302 GAUSE AVE MILBANK, SD 57252 | AFLAC | $11 | — | $11 | 0.00% |
| JOSEPH A SORENSEN3 | 4954 S 174TH ST OMAHA, NE 68135 | AFLAC | $11 | — | $11 | 0.00% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $11 | — | $11 | 0.00% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $10 | — | $10 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | AFLAC | $9 | — | $9 | 0.00% |
| ERICCA J PAUL3 | 301 W OPAL LN APT A HARTFORD, SD 57033 | AFLAC | $8 | — | $8 | 0.00% |
| NICHOLAS HONKE3 | 1306 RIVERVIEW DR HURON, SD 57350 | AFLAC | $8 | — | $8 | 0.00% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $8 | — | $8 | 0.00% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $7 | — | $7 | 0.00% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $7 | — | $7 | 0.00% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $7 | — | $7 | 0.00% |
| ANDREW D KRAMER3 Filed as: ANDREW D KARMER | 6808 E STEAMBOAT TRL SIOUX FALLS, SD 57110 | AFLAC | $6 | — | $6 | 0.00% |
| SCOTT LANENGA3 | PO BOX 226 FORT PIERRE, SD 57532 | AFLAC | $6 | — | $6 | 0.00% |
| CLAYTON BICKEL3 | 3527 SIMPSON DR RAPID CITY, SD 57702 | AFLAC | $5 | — | $5 | 0.00% |
| CAROL FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $4 | — | $4 | 0.00% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $3 | — | $3 | 0.00% |
| JADE COMPANIES LLC3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $3 | — | $3 | 0.00% |
| TAMARA WILLIAMS3 | 6610 NASSER LN PORT ORANGE, FL 32128 | AFLAC | $3 | — | $3 | 0.00% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $3 | — | $3 | 0.00% |
| WILLAIM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT WAYNE UNRUH3 | 1120 W 6TH AVE MITCHELL, SD 57301 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $1 | — | $1 | 0.00% |
| DENISE M ERICKSON3 | 24012 BRIDLE RIDGE RD RAPID CITY, SD 57701 | AFLAC | $1 | — | $1 | 0.00% |
| CECILEE J STREETMAN3 | 4010 ELM AVE APT 108 RAPID CITY, SD 57701 | AFLAC | — | — | $0 | 0.00% |
| MICHELLE MEGOWN3 | 3980 CAYSEE JAY WAY GROVE CITY, OH 43123 | AFLAC | — | — | $0 | 0.00% |
| ACRIPOINT LLC3 | PO BOX 218 PIERRE, SD 57501 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 281 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 291 | $241K |
| Short-term disability | AFLAC | 291 | $221K |
| Long-term disability | AFLAC | 291 | $221K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF SOUTH DAKOTA | 281 | $2.5M |
| Other | AFLAC | 291 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
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.