| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AFLAC | $6K | — | $6K | 4.64% |
| THERESA MARIE CELANDER3 | 20 LAKE ST N STE 220 FOREST LAKE, MN 55025 | AFLAC | $4K | $22 | $4K | 3.58% |
| RENAE SALLQUIST KNOPF3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57108 | AFLAC | $3K | $73 | $3K | 2.75% |
| JOSEPH D HAZELDINE3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1K | $43 | $2K | 1.24% |
| BECKY SUTHERLAND3 | 6211 HAMILTON ST #1 ST LOUIS PARK, MN 55416 | AFLAC | $1K | $207 | $1K | 1.19% |
| THERESA MARIE CELANDER3 | 85 POND VIEW DR LORETTO, MN 55357 | AFLAC | $1K | $3 | $1K | 1.12% |
| LUCAS BAUMGARTNER3 | 20 LAKE ST N STE 220 FOREST LAKE, MN 55025 | AFLAC | $816 | $41 | $857 | 0.70% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $821 | — | $821 | 0.67% |
| ANDREA J RIES3 | 2314 260TH ST INDEPENDENCE, IA 50644 | AFLAC | $760 | — | $760 | 0.62% |
| AMANDA K ROUZER3 | 48182 256TH ST GARRETSON, SD 57030 | AFLAC | $747 | $7 | $754 | 0.62% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $680 | $45 | $725 | 0.59% |
| MONICA S KINNER3 | 7212 W 65TH ST SIOUX FALLS, SD 57106 | AFLAC | $649 | $42 | $691 | 0.56% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $520 | $56 | $576 | 0.47% |
| JAY JOERSZ3 | 2116 W 21ST ST SIOUX FALLS, SD 57105 | AFLAC | $413 | — | $413 | 0.34% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $373 | — | $373 | 0.30% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $353 | $9 | $362 | 0.30% |
| DANIEL R MEHLBRECH3 | 10620 WEST EL CAPITAN CIRCLE SUN CITY, AZ 85351 | AFLAC | $328 | — | $328 | 0.27% |
| CHARLES J MEHLBRECH3 | PO BOX 460 SALEM, SD 57058 | AFLAC | $255 | $23 | $278 | 0.23% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $264 | $11 | $275 | 0.22% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $183 | — | $183 | 0.15% |
| BETH ZADOW3 | 2400 S SHORE DR LOT 22 CLEAR LAKE, IA 50428 | AFLAC | $183 | — | $183 | 0.15% |
| APRIL MAE JORGENSEN3 | 9436 W BROEK DR SIOUX FALLS, SD 57106 | AFLAC | $181 | — | $181 | 0.15% |
| SASHA CAMPBELL3 | 5105 49TH AVE S FARGO, ND 58104 | AFLAC | $146 | — | $146 | 0.12% |
| JEREMY L TOMLINSON3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $83 | $41 | $124 | 0.10% |
| JAY JOERSZ3 | 2912 S LOUISE AVE APT 106 SIOUX FALLS, SD 57106 | AFLAC | $117 | — | $117 | 0.10% |
| ANGELINE A MEIERDING3 | 613 EVERGREEN DR BURNSVILLE, MN 55337 | AFLAC | $97 | — | $97 | 0.08% |
| CORY D NELSON3 | 215 HIGHWAY 965 NE STE 1 NORTH LIBERTY, IA 52317 | AFLAC | $93 | — | $93 | 0.08% |
| PEGGY SUE LAZER3 | 7914 113TH AVE N CHAMPLIN, MN 55316 | AFLAC | $91 | — | $91 | 0.07% |
| CONNIE L SALLQUIST3 | 1001 W KILLARNEY ST SIOUX FALLS, SD 57103 | AFLAC | $89 | — | $89 | 0.07% |
| ANTHONY SWEETER3 Filed as: ANTHONY J SWEETER | 10650 COUNTY RD 81 SUITE 217 MAPLE GROVE, MN 55369 | AFLAC | $77 | — | $77 | 0.06% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $77 | — | $77 | 0.06% |
| NANCY S CLAUSSEN3 | 322 E 8TH ST APT 209 SIOUX FALLS, SD 57103 | AFLAC | $74 | — | $74 | 0.06% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $69 | — | $69 | 0.06% |
| JEFFREY A CLEMENSON3 | 6700 BASSWOOD CIR ROCKFORD, MN 55373 | AFLAC | $68 | — | $68 | 0.06% |
| TIMOTHY DAVID EMERY3 | 14093 KIPLING AVE S SAVAGE, MN 55378 | AFLAC | $62 | — | $62 | 0.05% |
| CARLA R LYNN3 | 5101 E 17TH ST SIOUX FALLS, SD 57110 | AFLAC | $61 | — | $61 | 0.05% |
| GREGORY A NESS3 | 3701 WESTMOOR DR MOORHEAD, MN 56560 | AFLAC | $48 | $12 | $60 | 0.05% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $58 | — | $58 | 0.05% |
| CAROL FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $57 | — | $57 | 0.05% |
| KELLIE J ARDUSER3 | 21820 COMET COURT MONTICELLO, IA 52310 | AFLAC | $55 | — | $55 | 0.04% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 20 N LAKE STREET SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $29 | $17 | $46 | 0.04% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $44 | — | $44 | 0.04% |
| SHAWN MICHAEL HANSON3 | 3855 RIVER DR S FARGO, ND 58104 | AFLAC | $39 | — | $39 | 0.03% |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $33 | $5 | $38 | 0.03% |
| PEAK INC3 | 1130 S BURR ST STE 300 PO BOX 514 MITCHELL, SD 57301 | AFLAC | $36 | — | $36 | 0.03% |
| PAVLISH CONSULTING CO3 | 18248 JUSTICE WAY LAKEVILLE, MN 55044 | AFLAC | $34 | — | $34 | 0.03% |
| MICHAEL D SCHULTZ3 Filed as: MICHAEL J AXTELL | 3562 6TH PL NW ROCHESTER, MN 55901 | AFLAC | $32 | — | $32 | 0.03% |
| JEREMY TRAVIS SCHAVE3 | 1010 WESTVIEW DR DELL RAPIDS, SD 57022 | AFLAC | $30 | — | $30 | 0.02% |
| CATHY J OLIVER3 | 201 WEST BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | AFLAC | $29 | — | $29 | 0.02% |
| CHRISTOPHER J BAYER3 | 127 N CHERRY ST GALESBURG, IL 61401 | AFLAC | $29 | — | $29 | 0.02% |
| KOCH INSURANCE INC3 | 463 NORTHLAND AVE NE STE 204 CEDAR RAPIDS, IA 52402 | AFLAC | $29 | — | $29 | 0.02% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $27 | — | $27 | 0.02% |
| DONNA R WATSON3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | AFLAC | $24 | — | $24 | 0.02% |
| ANGELINE A MEIERDING3 | 1516 SW 50TH ST APT 302 CAPE CORAL, FL 33914 | AFLAC | $24 | — | $24 | 0.02% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH J LANGEFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $23 | — | $23 | 0.02% |
| SHELLY L MUNNEKE HOOGENDOORN3 | 350 N JAMES AVE TEA, SD 57064 | AFLAC | $22 | — | $22 | 0.02% |
| DARIN D PAVLISH3 | 7760 FRANCE AVE SOUTH 1162 EDINA, MN 55435 | AFLAC | $20 | — | $20 | 0.02% |
| LAWRENCE R ZAHRADKA3 | 1726 CEDAR ST EMERADO, ND 58228 | AFLAC | $19 | — | $19 | 0.02% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $19 | — | $19 | 0.02% |
| DENEY R HOFMEISTER3 | 912 LAKEVIEW AVE WASECA, MN 56093 | AFLAC | $17 | — | $17 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $17 | — | $17 | 0.01% |
| DIANE M HANSUM3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $16 | — | $16 | 0.01% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $16 | — | $16 | 0.01% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $14 | — | $14 | 0.01% |
| TRACI L NATOLI3 | 2774 COMMERCE DRIVE NW SUITE A ROCHESTER, MN 55901 | AFLAC | $13 | — | $13 | 0.01% |
| GWEN JOHNSON3 Filed as: GWEN D JOHNSON | 105 KENSINGTON AVE PARK RIVER, ND 58270 | AFLAC | $12 | — | $12 | 0.01% |
| AWS INC3 | 1919 WEST 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $12 | — | $12 | 0.01% |
| ERIC MCCLELLAND3 | 510 MAINE ST STE 806 QUINCY, IL 62301 | AFLAC | $12 | — | $12 | 0.01% |
| ASHLEY BENNETT LLC3 | 405 8TH AVE NW STE 327 ABERDEEN, SD 57401 | AFLAC | $12 | — | $12 | 0.01% |
| MARY F KELASH3 | 32114 COUNTY ROAD 1 SAINT CLOUD, MN 56303 | AFLAC | $10 | — | $10 | 0.01% |
| BLW INC3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $9 | — | $9 | 0.01% |
| CHRISTOPHER J KUZNIEWSKI3 | 3747 9TH AVE SW ROCHESTER, MN 55902 | AFLAC | $9 | — | $9 | 0.01% |
| RYAN D JONES3 | 6401 S LYNCREST AVE APT 104 SIOUX FALLS, SD 57108 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERT L VALENTINE3 | 101 RICHARD ST YANKTON, SD 57078 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 URBANDALE, IA 50322 | AFLAC | $8 | — | $8 | 0.01% |
| THOMAS J CASSADY3 | 1908 BURLINGTON DR APT A1 WEST FARGO, ND 58078 | AFLAC | $8 | — | $8 | 0.01% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $4 | $4 | $8 | 0.01% |
| JEREMY D FOX3 | 42312 199TH ST BANCROFT, SD 57353 | AFLAC | $7 | — | $7 | 0.01% |
| THOMAS J CASSADY3 | 1102 5TH ST S FARGO, ND 58103 | AFLAC | $5 | $2 | $7 | 0.01% |
| GREG LITZ3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | AFLAC | $6 | — | $6 | 0.00% |
| RUSSELL J HANSON3 | 6601 W 61ST ST SIOUX FALLS, SD 57106 | AFLAC | $6 | — | $6 | 0.00% |
| JASON E BLAKE3 | 3432 CHERRY ST APT B2 GRAND FORKS, ND 58201 | AFLAC | $6 | — | $6 | 0.00% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.00% |
| BEVERLY M SEMMENS3 | 314 S BLAUVELT AVE SIOUX FALLS, SD 57103 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES D NICHOL3 | 520 WELLINGTON COURT WEST FARGO, ND 58078 | AFLAC | $5 | — | $5 | 0.00% |
| CORY L SMITH3 Filed as: CORY SMITH | PO BOX 75 MOORHEAD, MN 56561 | AFLAC | $5 | — | $5 | 0.00% |
| DIANN J HUISENGA3 | 5105 S GALWAY AVE SIOUX FALLS, SD 57106 | AFLAC | $5 | — | $5 | 0.00% |
| CYNTHIA D WELKEN-PLACE3 | 14710 W DODGE RD STE 200 OMAHA, NE 68154 | AFLAC | $3 | $2 | $5 | 0.00% |
| MITCHELL J FRIEHE3 | 16909 PALISADES DR STE 107 OMAHA, NE 68136 | AFLAC | $3 | $2 | $5 | 0.00% |
| MICHAEL J WELTER3 | 603 DOUGLAS AVE YANKTON, SD 57078 | AFLAC | $4 | — | $4 | 0.00% |
| MARK E POPE3 | 2102 E ERSKINE ST PIERRE, SD 57501 | AFLAC | $3 | — | $3 | 0.00% |
| TERRY E ANDERSON3 | 700 CEDAR STREET STE 185 ALEXANDRIA, MN 56308 | AFLAC | $3 | — | $3 | 0.00% |
| CRAIG S STADTFELD3 | 1919 WEST 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.00% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.00% |
| SHON FORD LLC3 Filed as: SHON S FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $2 | — | $2 | 0.00% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $2 | — | $2 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $2 | — | $2 | 0.00% |
| CORY D NELSON3 | 1410 FEATHER RUN TRL CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $2 | — | $2 | 0.00% |
| CORY D NELSON3 | 1410 FEATHER RUN TRL CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $2 | — | $2 | 0.00% |
| CORY D NELSON3 | 1410 FEATHER RUN TRL CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| EUGENE BUTCH LINSTER3 | 1316 SUMMERFIELD DR RAPID CITY, SD 57703 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $1 | — | $1 | 0.00% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 240 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.