| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRIPOINT LLC3 | 125 E DAKOTA AVE PO BOX 218 PIERRE, SD 57501 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $38K | — | $38K | 1.38% |
| WENDY L SWARTZ3 Filed as: WENDY SWARTZ | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $28K | $775 | $29K | 8.93% |
| CASEY A MILLER3 | 39640 233RD ST WOONSOCKET, SD 57385 | AFLAC | $8K | $322 | $9K | 2.71% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $6K | $280 | $7K | 2.09% |
| JENNIFER RENAE HAASE3 | 614 7TH AVE BELLE FOURCHE, SD 57717 | AFLAC | $6K | $135 | $6K | 1.97% |
| BRIAN C SIEMONSMA3 | PO BOX 46 WASTA, SD 57791 | AFLAC | $5K | $458 | $5K | 1.67% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $4K | $193 | $5K | 1.43% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $2K | $70 | $2K | 0.72% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $2K | $74 | $2K | 0.69% |
| DENISE M ERICKSON3 | 24012 BRIDLE RIDGE ROAD RAPID CITY, SD 57701 | AFLAC | $2K | $73 | $2K | 0.68% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $1K | $74 | $2K | 0.48% |
| CHANDLER NICOLE KEMPEMA3 | 6004 S CONEFLOWER AVE APT 102 SIOUX FALLS, SD 57108 | AFLAC | $2K | $24 | $2K | 0.48% |
| CYNTHIA KAY FORD3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $2K | — | $2K | 0.47% |
| KRISTINE HAY-MERFELD3 | 4215 S LISANNE AVE SIOUX FALLS, SD 57103 | AFLAC | $931 | $150 | $1K | 0.33% |
| LANCE D THORSON3 | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $956 | — | $956 | 0.30% |
| KARLA JEAN KENDRICK3 | PO BOX 530 KADOKA, SD 57543 | AFLAC | $819 | $99 | $918 | 0.28% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $792 | $109 | $901 | 0.28% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $633 | $89 | $722 | 0.22% |
| KARISA B NELSON3 | 418 E HIGHWAY 42 ETHAN, SD 57334 | AFLAC | $671 | $2 | $673 | 0.21% |
| KATELYN BREYFOGLE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $607 | — | $607 | 0.19% |
| JEREMY ALLEN TIMMERMANS3 | 46124 -274TH ST CHANCELLOR, SD 57015 | AFLAC | $517 | — | $517 | 0.16% |
| PATSY ROBERTSON3 | 32239 PONDEROSA DR 29 BURBANK, SD 57010 | AFLAC | $440 | — | $440 | 0.14% |
| JODI HARTMAN3 | PO BOX 226 FORT PIERRE, SD 57532 | AFLAC | $418 | — | $418 | 0.13% |
| HEATHER ROWE3 | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $403 | — | $403 | 0.12% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $391 | — | $391 | 0.12% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 57754 | AFLAC | $286 | $77 | $363 | 0.11% |
| CINDY WELLER3 | 88829 HEREFORD RD VALENTINE, NE 69201 | AFLAC | $319 | $29 | $348 | 0.11% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $320 | $21 | $341 | 0.11% |
| JACKIE MARIE BAUER3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $332 | — | $332 | 0.10% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $288 | — | $288 | 0.09% |
| DANIELLE MARIE NOSBUSH3 | 410 PROSPECT AVE GARY, SD 57237 | AFLAC | $288 | — | $288 | 0.09% |
| CHRISTINA HOLDER3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $211 | — | $211 | 0.07% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $189 | — | $189 | 0.06% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $177 | — | $177 | 0.05% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $164 | — | $164 | 0.05% |
| BROOKE A GEDDES3 | 592 BUTTERCUP CT SPEARFISH, SD 57783 | AFLAC | $156 | — | $156 | 0.05% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $151 | — | $151 | 0.05% |
| ANGIE S PEARSON3 | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $150 | — | $150 | 0.05% |
| JESSICA M VANDERHAM3 | PO BOX 264 STICKNEY, SD 57375 | AFLAC | $149 | — | $149 | 0.05% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $131 | — | $131 | 0.04% |
| ZACHERY TERMEER3 | 701 SEAHAWK DR RAPID CITY, SD 57701 | AFLAC | $123 | — | $123 | 0.04% |
| RENAE SALLQUIST KNOPF3 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $121 | — | $121 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $109 | — | $109 | 0.03% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $107 | — | $107 | 0.03% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $96 | — | $96 | 0.03% |
| JODY L KLUDT3 | 43127 NW JIM RIVER RD LESTERVILLE, SD 57040 | AFLAC | $83 | — | $83 | 0.03% |
| LYNNE DUHAIME3 Filed as: LYNNE MARIE DUHAIME | 544 SANDSTONE CIR DAKOTA DUNES, SD 57049 | AFLAC | $77 | — | $77 | 0.02% |
| DEVIN ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $76 | — | $76 | 0.02% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $64 | — | $64 | 0.02% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $63 | — | $63 | 0.02% |
| SHARON D GROVE3 | 1605 S LARKSPUR TRL SIOUX FALLS, SD 57106 | AFLAC | $62 | — | $62 | 0.02% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $61 | — | $61 | 0.02% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $60 | — | $60 | 0.02% |
| RABECCA J SANGARE3 Filed as: RABECCA J HEINTZMAN | 815 15TH AVE NE APT 9 ABERDEEN, SD 57401 | AFLAC | $59 | — | $59 | 0.02% |
| SHARON M ABERLE3 | 3001 LAZELLE ST LOT 16 STURGIS, SD 57785 | AFLAC | $57 | — | $57 | 0.02% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $55 | — | $55 | 0.02% |
| EDWARD O HALVORSON JR3 | 8488 HUFFINE LN BOZEMAN, MT 59718 | AFLAC | $53 | — | $53 | 0.02% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $52 | — | $52 | 0.02% |
| JENNIFER GENANT3 | 407 4TH ST PARKSTON, SD 57366 | AFLAC | $51 | — | $51 | 0.02% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $49 | — | $49 | 0.02% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $47 | — | $47 | 0.01% |
| DEBORAH J LANGENFELD HOOPS3 | PO BOX 462 HURON, SD 57350 | AFLAC | $46 | — | $46 | 0.01% |
| SARA PETERSEK3 | 28665 326TH AVE COLOME, SD 57528 | AFLAC | $45 | — | $45 | 0.01% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $45 | — | $45 | 0.01% |
| AMANDA JEAN WEBSTER3 | 13016 ADVENTURE CT GLENHAM, SD 57631 | AFLAC | $44 | — | $44 | 0.01% |
| TNT ENDEAVORS LLC3 | 530 SAINT CHARLES ST RAPID CITY, SD 57701 | AFLAC | $42 | — | $42 | 0.01% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $40 | — | $40 | 0.01% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $35 | — | $35 | 0.01% |
| TAMI MULDER3 | 1707 PENNINGTON ST RAPID CITY, SD 57703 | AFLAC | $35 | — | $35 | 0.01% |
| STEPHANIE O GASTON3 | 710 SAN MARCO BLVD RAPID CITY, SD 57702 | AFLAC | $33 | — | $33 | 0.01% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $30 | — | $30 | 0.01% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.01% |
| DIANN J HUISENGA3 | 540 E JESSE CT TEA, SD 57064 | AFLAC | $27 | — | $27 | 0.01% |
| EMILY J WALLOCH3 | PO BOX 7 SCOTLAND, SD 57059 | AFLAC | $26 | — | $26 | 0.01% |
| HERMAN PETERSEN3 Filed as: HERMAN C PETERSEN | 3728 FOX RUN PL SIOUX FALLS, SD 57103 | AFLAC | $26 | — | $26 | 0.01% |
| TAMARA WILLIAMS3 | 6610 NASSER LANE PORT ORANGE, FL 32128 | AFLAC | $25 | — | $25 | 0.01% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $24 | — | $24 | 0.01% |
| KAYLA R YACKLEY3 | 24692 TRIPLE M RNCH HERMOSA, SD 57744 | AFLAC | $23 | — | $23 | 0.01% |
| MICHELLE MOSER3 | 3319 SIMPSON DR RAPID CITY, SD 57702 | AFLAC | $23 | — | $23 | 0.01% |
| CHRISTINA M SCHILLING3 | 501 W MAIN AVE FORT PIERRE, SD 57532 | AFLAC | $21 | — | $21 | 0.01% |
| MELISSA K LEFERS3 | PO BOX 29 LENNOX, SD 57039 | AFLAC | $18 | — | $18 | 0.01% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $17 | — | $17 | 0.01% |
| JODY L WALK3 | 35689 ROSE MOSS AVE LEESBURG, FL 34788 | AFLAC | $15 | — | $15 | 0.00% |
| CAMILLE JOLENE MORGAN3 | 2044 PROMISE RD 2304 RAPID CITY, SD 57701 | AFLAC | $15 | — | $15 | 0.00% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $14 | — | $14 | 0.00% |
| JACLYN ROSE MANN3 | 6716 DUNSMORE RD RAPID CITY, SD 57702 | AFLAC | $13 | — | $13 | 0.00% |
| ROBERT WAYNE UNRUH3 | 1120 W 6TH AVE MITCHELL, SD 57301 | AFLAC | $12 | — | $12 | 0.00% |
| JOSEPH A SORENSEN3 | 4954 S 174TH ST OMAHA, NE 68135 | AFLAC | $11 | — | $11 | 0.00% |
| KIM R HARMS3 | 310 BIRCH AVE AURORA, SD 57002 | AFLAC | $11 | — | $11 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | AFLAC | $10 | — | $10 | 0.00% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $10 | — | $10 | 0.00% |
| DANIELE HEYN3 | 6509 S SHANNON CIR SIOUX FALLS, SD 57108 | AFLAC | $10 | — | $10 | 0.00% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $8 | — | $8 | 0.00% |
| NICHOLAS HONKE3 | 1306 RIVERVIEW DR HURON, SD 57350 | AFLAC | $8 | — | $8 | 0.00% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $8 | — | $8 | 0.00% |
| CHERYL LORRAINE JOHNSON3 | 1129 HALLEY AVE RAPID CITY, SD 57701 | AFLAC | $7 | — | $7 | 0.00% |
| DALTON JAMES ENG3 | PO BOX 522 WATERTOWN, SD 57201 | AFLAC | $7 | — | $7 | 0.00% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON | 1206 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $6 | — | $6 | 0.00% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $6 | — | $6 | 0.00% |
| MELISSA K LEFERS3 | 221 W 4TH ST APT A TEA, SD 57064 | AFLAC | $6 | — | $6 | 0.00% |
| SARAH M SCHOENFELDER3 | 40896 272ND ST DIMOCK, SD 57331 | AFLAC | $5 | — | $5 | 0.00% |
| MIDWEST AGENTS OF INS INC3 | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.00% |
| CAROL FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $4 | — | $4 | 0.00% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON WITHERS | 1206 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $3 | — | $3 | 0.00% |
| CLAYTON BICKEL3 | 3527 SIMPSON DR RAPID CITY, SD 57702 | AFLAC | $3 | — | $3 | 0.00% |
| TYONIA N EGGERS3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $3 | — | $3 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $1 | — | $1 | 0.00% |
| ACRIPOINT LLC3 | 125 E DAKOTA AVE PO BOX 218 PIERRE, SD 57501 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 16.22% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | STANDARD INSURANCE COMPANY | $447 | — | $447 | 2.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | $117 | — | $117 | 0.55% |
| SPEARFISH INSURANCE BROKERAGE3 Filed as: SPEARFISH INSURANCE BROKERAGE LLC | 125 E COLORADO BLVD STE 2F SPEARFISH, SD 57783 | OPTILEGRA INC | $1K | — | $1K | 10.00% |
| DEB MEYER-SPEARFISH INSURANCE BROKE3 | 125 E COLORADO BLVD 2F SPEARFISH, SD 57783 | DELTA DENTAL OF SOUTH DAKOTA | $646 | — | $646 | — |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 291 | $2.7M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 220 | $0 |
| Vision | OPTILEGRA INC | 159 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 314 | $345K |
| Short-term disability | AFLAC | 314 | $324K |
| Long-term disability | AFLAC | 314 | $324K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 291 | $2.7M |
| Other | AFLAC | 314 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
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.