| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOEN & ASSOCIATES INC Filed as: BOEN ASSOCIATES | 307 W 41ST ST SIOUX FALLS, SD 57105 | STANDARD INSURANCE CO | $4K | — | $4K | 2.17% |
| BOEN & ASSOCIATES INC Filed as: BOEN ASSOCIATES INC | 307 WEST 41ST ST SIOUX FALLS, SD 57105 | STANDARD INSURANCE CO | $2K | — | $2K | 6.75% |
| BOEN & ASSOCIATES INC Filed as: BOEN ASSOCIATES | 307 WEST 41ST ST SIOUX FALLS, SD 57105 | WELLMARK OF SOUTH DAKOTA INC | $15K | — | $15K | — |
| HEATHER M BRAMER Filed as: HEATHER BRAMER | 808 MAPLE WATERTOWN, SD 57201 | AFLAC | $4K | $300 | $4K | — |
| ASHLEY D WARNER | 712 2ND ST SW DESMET, SD 57231 | AFLAC | $831 | $60 | $891 | — |
| PERFORMANCE PLUS LLC | 114 N MAIN MITCHELL, SD 57301 | AFLAC | $521 | $60 | $581 | — |
| NEFZGER ENTERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $290 | — | $290 | — |
| PEAK INC | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $187 | — | $187 | — |
| MICHAEL D EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $145 | — | $145 | — |
| NAOMI C MCLAUGHLIN | 320 DEERWAY TEA, SD 57064 | AFLAC | $133 | — | $133 | — |
| DEBORAH J LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $128 | — | $128 | — |
| MICHAEL D EVANS JR Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $93 | — | $93 | — |
| JEREMY L TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $90 | — | $90 | — |
| LISA K UHLIR | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $78 | — | $78 | — |
| LANCE D THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $68 | — | $68 | — |
| ADELINE PELSTER | 3113 EDGEWOOD PT BISMARK, ND 58503 | AFLAC | $53 | — | $53 | — |
| WARREN L FRICK | 4655 HAMPTONS DR ALPHARETTA, GA 30004 | AFLAC | $49 | — | $49 | — |
| MICHAEL D EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $28 | — | $28 | — |
| JASON MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $25 | — | $25 | — |
| CHRISTIE L WOOKEY | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $25 | — | $25 | — |
| LINDA G LESSELYOUNG | 1730TERRITORIAL RD MADISON, SD 57042 | AFLAC | $24 | — | $24 | — |
| JOYCE SMITH | 13374 SHIRLEY ST OMAHA, NE 68144 | AFLAC | $23 | — | $23 | — |
| SHON FORD LLC | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $22 | — | $22 | — |
| STEPHANIE L SANDERS | 27305 LIVE OAK ROAD SANTA CLARITA, CA 91384 | AFLAC | $20 | — | $20 | — |
| CAROLYN MAE AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $20 | — | $20 | — |
| JUSTINE DEVILLE Filed as: JUSTINE N DEVILLE | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | — |
| DENEY R HOFMEISTER | 912 LAKEVIEW AVE WASECA, MN 56093 | AFLAC | $17 | — | $17 | — |
| ROBERT WATKINS Filed as: ROBERT L WATKINS | PO BOX 14 BRITTON, SD 57430 | AFLAC | $17 | — | $17 | — |
| BONNIE J BUSDICKER | 515 SAMARA AVE APT 4 VOLGA, SD 57071 | AFLAC | $12 | — | $12 | — |
| KRISTI ENDRES | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | — |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $10 | — | $10 | — |
| WILLAM D WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $10 | — | $10 | — |
| BRADY L WEISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $10 | — | $10 | — |
| VICKI L ANDERSON | 6304 HARDWOOD LN CICERO, NY 13039 | AFLAC | $9 | — | $9 | — |
| DONALD G NORTON | 506 S MAPLE WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | — |
| TERRY L JENSEN | 32822 TURTLE SHORE LN UNDERWOOD, MN 56586 | AFLAC | $8 | — | $8 | — |
| SARA KNEIP | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | — |
| SUSAN L SOEHREN | 540 VIKING ST RAPID CITY, SD 57701 | AFLAC | $5 | — | $5 | — |
| MERLE D BIEBER | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $4 | — | $4 | — |
| SHAWN D BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $4 | — | $4 | — |
| THE PERRY GROUP INC Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $3 | — | $3 | — |
| BARRY CAMPBELL | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $3 | — | $3 | — |
| BRYCE L CAMPBELL | 360 LIBERTY HEIGHTS DR CHASKA, MN 55318 | AFLAC | $1 | — | $1 | — |
| JOLYNNE M MACK | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | — | — | $0 | — |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA INC | 146 | $0 |
| Dental | STANDARD INSURANCE CO | 151 | $174K |
| Vision | STANDARD INSURANCE CO | 151 | $174K |
| Life insurance | STANDARD INSURANCE CO | 171 | $36K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE CO | 155 | $41K |
| Long-term disability | STANDARD INSURANCE CO | 155 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.