| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREIMARK & ASSOCIATES | PO BOX 784 WATERTOWN, SD 57201 | WELLMARK OF SOUTH DAKOTA, INC | $13K | — | $13K | 0.41% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES INC | 812 10TH ST SW WATERTOWN, SD 57201 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.02% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $0 | $262 | 0.15% |
| HEATHER M BRAMER Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $4K | $60 | $4K | 9.29% |
| ALFSON INSURANCE LLC | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $509 | $14 | $523 | 1.16% |
| ASHLEY D WARNER | 712 2ND ST SW DESMET, SD 57231 | AFLAC | $412 | — | $412 | 0.91% |
| TRACY L HOSTLER | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $365 | $14 | $379 | 0.84% |
| JOLYNNE M MACK | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $298 | — | $298 | 0.66% |
| TRAVIS RONKE | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $247 | — | $247 | 0.55% |
| PERFORMANCE PLUS LLC | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $197 | — | $197 | 0.44% |
| NEFZGER ENTERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $142 | — | $142 | 0.31% |
| MICHAEL D EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $128 | — | $128 | 0.28% |
| NAOMI C MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $116 | — | $116 | 0.26% |
| THEODORE W HONKE | 29478 US HWY 281 LAKE ANDES, SD 57356 | AFLAC | $100 | — | $100 | 0.22% |
| JASON MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $80 | — | $80 | 0.18% |
| MICHAEL D EVANS JR Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $79 | — | $79 | 0.17% |
| JEREMY L TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $75 | — | $75 | 0.17% |
| LISA K UHLIR | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $69 | — | $69 | 0.15% |
| DEBORAH J LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $59 | — | $59 | 0.13% |
| ADELINE PELSTER | PO BOX 4122 BISMARK, ND 58502 | AFLAC | $53 | — | $53 | 0.12% |
| LANCE D THORSON | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $32 | — | $32 | 0.07% |
| LANCE D THORSON | 6745 N 93RD AVE UNIT 1154 GLENDALE, AZ 85305 | AFLAC | $32 | — | $32 | 0.07% |
| CHRISTIE L WOOKEY | 440 N LAKE DR WATERTOWN, SD 57201 | AFLAC | $25 | — | $25 | 0.06% |
| WARREN L FRICK | 4655 HAMPTONS DR ALPHARETTA, GA 30004 | AFLAC | $25 | — | $25 | 0.06% |
| SHON FORD LLC | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $25 | — | $25 | 0.06% |
| LINDA G LESSELYOUNG | 1730 TERRITORIAL RD MADISON, SD 57042 | AFLAC | $24 | — | $24 | 0.05% |
| KRANZ INSURANCE | 113 1ST AVE NW WATERTOWN, SD 57201 | AFLAC | $23 | — | $23 | 0.05% |
| STEPHANIE L SANDERS | PO BOX 800186 SANTA CLARITA, CA 91380 | AFLAC | $20 | — | $20 | 0.04% |
| JUSTINE DEVILLE Filed as: JUSTINE N DEVILLE | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | 0.04% |
| ROBERT WATKINS Filed as: ROBERT L WATKINS | PO BOX 14 BRITTON, SD 57430 | AFLAC | $17 | — | $17 | 0.04% |
| CAROLYN MAE AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $17 | — | $17 | 0.04% |
| DENEY R HOFMEISTER | 912 LAKEVIEW AVE WASECA, MN 56093 | AFLAC | $17 | — | $17 | 0.04% |
| JOYCE SMITH | 13374 SHIRLEY ST OMAHA, NE 68144 | AFLAC | $12 | — | $12 | 0.03% |
| KRISTI ENDRES | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.02% |
| MICHAEL D EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.02% |
| VICKI L ANDERSON | 521 FRENCH LN DUNDAS, MN 55019 | AFLAC | $9 | — | $9 | 0.02% |
| TERRY L JENSEN | 32822 TURTLE SHORE LN UNDERWOOD, MN 56586 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $8 | — | $8 | 0.02% |
| SARA KNEIP | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | 0.02% |
| BONNIE J BUSDICKER | 515 SAMARA AVE APT 14 VOLGA, SD 57071 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM D WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $5 | — | $5 | 0.01% |
| BRADY L WEISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | 0.01% |
| SHAWN D BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | 0.01% |
| MERLE D BIEBER | 18932 HUNTLEY TRL LAKEVILLE, MN 55044 | AFLAC | $2 | — | $2 | 0.00% |
| BARRY CAMPBELL | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | — | — | $0 | 0.00% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES, INC | 812 10TH ST SW WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.35% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES, INC | 812 10TH STREET SW WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.09% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES, INC | 812 10TH STREET SW WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.66% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $173K |
| Life insurance | STANDARD INSURANCE COMPANY | 194 | $33K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 175 | $75K |
| Long-term disability | STANDARD INSURANCE COMPANY | 175 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.