| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAIRE FRAZEE3 | 15274 477TH AVE. MILBANK, SD 57252 | AFLAC | $10K | $299 | $11K | 8.44% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LANE WATERTOWN, SD 57201 | AFLAC | $4K | $48 | $4K | 3.37% |
| NEFZGER ENTERPRISES INC3 Filed as: NEFZGER ENTERPRISES INC. | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $3K | $1 | $3K | 2.15% |
| PEAK INC3 Filed as: PEAK INC. | 1130 S. BURR, SUITE 300, BOX 514 MITCHELL, SD 57301 | AFLAC | $2K | $110 | $2K | 1.91% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $2K | — | $2K | 1.65% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $2K | $109 | $2K | 1.58% |
| JASON MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $836 | — | $836 | 0.67% |
| SCOTT E PFAFF3 | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $813 | — | $813 | 0.65% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE. S., SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $792 | — | $792 | 0.63% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR. | 113 5TH ST. SE WATERTOWN, SD 57201 | AFLAC | $559 | $101 | $660 | 0.53% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $511 | — | $511 | 0.41% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCGLAUGHLIN | 320 DEERVIEW AVE. TEA, SD 57064 | AFLAC | $250 | — | $250 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $230 | — | $230 | 0.18% |
| MICHAEL D EVANS JR3 | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $207 | — | $207 | 0.17% |
| CONNIE SCHWEITZER3 | 918 S. 1ST ST. ABERDEEN, SD 57401 | AFLAC | $140 | $61 | $201 | 0.16% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $185 | — | $185 | 0.15% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $167 | — | $167 | 0.13% |
| SHIRLEY WYMAN3 | 1120 N 3RD ST. WAUBAY, SD 57273 | AFLAC | $157 | — | $157 | 0.13% |
| SUSAN WESTERMEYER3 | PO BOX 112 BIG STONE CITY, SD 57216 | AFLAC | $155 | — | $155 | 0.12% |
| THEODORE W HONKE3 Filed as: THEODORE HONKE | 1130 S. BURR, SUITE 300, BOX 514 MITCHELL, SD 57301 | AFLAC | $102 | — | $102 | 0.08% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E. WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $95 | — | $95 | 0.08% |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $87 | — | $87 | 0.07% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $49 | — | $49 | 0.04% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $44 | — | $44 | 0.04% |
| JENNIFER SANDAL3 | 43755 122ND ST. EDEN, SD 57232 | AFLAC | $24 | — | $24 | 0.02% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $22 | — | $22 | 0.02% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE WOOKEY | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $18 | — | $18 | 0.01% |
| ANNE E MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $14 | — | $14 | 0.01% |
| JUSTINE DEVILLE3 | 5514 7TH AVE. SW WATERTOWN, SD 57201 | AFLAC | $10 | — | $10 | 0.01% |
| KIM R HARMS3 Filed as: KIM HARMS | PO BOX 184 COLMAN, SD 57017 | AFLAC | $9 | — | $9 | 0.01% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | 0.01% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57401 | AFLAC | $6 | — | $6 | 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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 196 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.