| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRIEMARK & ASSOCIATES | PO BOX 784 WATERTOWN, SD 57201 | WELLMARK OF SOUTH DAKOTA, INC. | $14K | — | $14K | 0.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES INC | PO BOX 784 WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.84% |
| FREIMARK & ASSOCIATES3 | PO BOX 784 WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.02% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES INC | PO BOX784 WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $996 | — | $996 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | — | $399 | $399 | 2.00% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES INC | PO BOX 784 WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $277 | — | $277 | 1.39% |
| FREIMARK & ASSOCIATES3 Filed as: FREIMARK & ASSOCIATES INC | PO BOX 784 WATERTOWN, SD 57201 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.03% |
| HEATHER M BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $4K | $286 | $4K | — |
| JOLYNNE M MACK | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $603 | $23 | $626 | — |
| JAMES ALAN HEYN | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $569 | — | $569 | — |
| ASHLEY D WARNER | 712 2ND ST SW DESMET, SD 57231 | AFLAC | $351 | — | $351 | — |
| TRAVIS RONKE | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $194 | $35 | $229 | — |
| PERFORMANCE PLUS LLC | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $186 | — | $186 | — |
| ALFSON INSURANCE LLC | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $144 | $32 | $176 | — |
| TRACY L HOSTLER | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $90 | $32 | $122 | — |
| MICHAEL D EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $120 | — | $120 | — |
| NAOMI C MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $116 | — | $116 | — |
| NEFZGER ENTERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $101 | — | $101 | — |
| JASON MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $87 | — | $87 | — |
| THEODORE W HONKE | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $86 | — | $86 | — |
| JEREMY L TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $75 | — | $75 | — |
| MICHAEL D EVANS JR Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $72 | — | $72 | — |
| KRISTA OLESON Filed as: KRISTA NICOLE OLESON | 1193 MAYFAIR DR WATERTOWN, SD 57201 | AFLAC | $55 | $14 | $69 | — |
| LISA K UHLIR | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $65 | — | $65 | — |
| LANCE D THORSON | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $64 | — | $64 | — |
| ADELINE PELSTER | PO BOX 4122 BISMARK, ND 58502 | AFLAC | $53 | — | $53 | — |
| DEBORAH J LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $49 | — | $49 | — |
| CHRISTIE L WOOKEY | 440 N LAKE DR WATERTOWN, SD 57201 | AFLAC | $25 | — | $25 | — |
| LINDA G LESSELYOUNG | 1730 TERRITORIAL RD MADISON, SD 57042 | AFLAC | $24 | — | $24 | — |
| JUSTINE DEVILLE Filed as: JUSTINE N DEVILLE | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | — |
| ROBERT WATKINS Filed as: ROBERT L WATKINS | PO BOX 14 BRITTON, SD 57430 | AFLAC | $17 | — | $17 | — |
| CAROLYN MAE AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $17 | — | $17 | — |
| DENEY R HOFMEISTER | 912 LAKEVIEW AVE WASECA, MN 56093 | AFLAC | $17 | — | $17 | — |
| SHON FORD LLC | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $16 | — | $16 | — |
| KRANZ INSURANCE | 113 1ST AVE NW WATERTOWN, SD 57201 | AFLAC | $15 | — | $15 | — |
| STEPHANIE L SANDERS | 6325 SIMPSON AVE NORTH HOLLYWOOD, CA 91606 | AFLAC | $15 | — | $15 | — |
| MICHAEL D EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | — |
| VICKI L ANDERSON | 521 FRENCH LN DUNDAS, MN 55019 | AFLAC | $9 | — | $9 | — |
| TERRY L JENSEN | 32822 TURTLE SHORE LN UNDERWOOD, MN 56586 | AFLAC | $8 | — | $8 | — |
| WATERTOWN INSURANCE LLC | 521 10TH ST NW WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | — |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $8 | — | $8 | — |
| SARA KNEIP | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | — |
| STEPHANIE L SANDERS | PO BOX 800186 SANTA CLARITA, CA 91380 | AFLAC | $5 | — | $5 | — |
| BARRY CAMPBELL | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $3 | — | $3 | — |
| BRADY L WEISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | — |
| SHAWN D BENSER | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $3 | — | $3 | — |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK OF SOUTH DAKOTA, INC. | 178 | $3.6M |
| Dental | STANDARD INSURANCE COMPANY | 178 | $162K |
| Vision | STANDARD INSURANCE COMPANY | 194 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $40K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 193 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 193 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.