| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLAIRE FRAZEE3 | 15274 477TH AVE. MILBANK, SD 57252 | AFLAC | $7K | $415 | $7K | 5.83% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LANE WATERTOWN, SD 57201 | AFLAC | $3K | $42 | $3K | 2.41% |
| JAMES ALAN HEYN | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $3K | — | $3K | 2.38% |
| NEFZGER ENTERPRISES INC3 Filed as: NEFZGER ENTERPRISES INC. | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $3K | $125 | $3K | 2.34% |
| PEAK INC3 Filed as: PEAK INC. | 1130 S. BURR, SUITE 300, BOX 514 MITCHELL, SD 57301 | AFLAC | $2K | $125 | $2K | 1.72% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.92% |
| JAMES ALAN HEYN | 1296 S LAKE DR WATERTOWN, SD 57201 | AFLAC | $727 | — | $727 | 0.58% |
| SUSAN WESTERMEYER3 | PO BOX 112 BIG STONE CITY, SD 57216 | AFLAC | $690 | $12 | $702 | 0.56% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE. S., SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $698 | — | $698 | 0.56% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $504 | — | $504 | 0.40% |
| ANNE E MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $451 | — | $451 | 0.36% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $344 | $38 | $382 | 0.31% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR. | 113 5TH ST. SE WATERTOWN, SD 57201 | AFLAC | $334 | — | $334 | 0.27% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCGLAUGHLIN | 320 DEERVIEW AVE. TEA, SD 57064 | AFLAC | $226 | — | $226 | 0.18% |
| SCOTT E PFAFF3 | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $138 | $84 | $222 | 0.18% |
| JASON MACK3 | 605 2ND ST NE WATERTOWN, SD 57201 | AFLAC | $148 | $71 | $219 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $181 | — | $181 | 0.14% |
| MICHAEL D EVANS JR3 | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $172 | — | $172 | 0.14% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $164 | — | $164 | 0.13% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $156 | $2 | $158 | 0.13% |
| SHIRLEY WYMAN3 | 1120 N 3RD ST. WAUBAY, SD 57273 | AFLAC | $143 | — | $143 | 0.11% |
| THEODORE W HONKE3 Filed as: THEODORE HONKE | 1130 S. BURR, SUITE 300, BOX 514 MITCHELL, SD 57301 | AFLAC | $108 | $2 | $110 | 0.09% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E. WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $79 | — | $79 | 0.06% |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $75 | — | $75 | 0.06% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $45 | — | $45 | 0.04% |
| ROXANNE M FIECHTNER | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $42 | — | $42 | 0.03% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $36 | — | $36 | 0.03% |
| CONNIE SCHWEITZER3 | 918 S. 1ST ST. ABERDEEN, SD 57401 | AFLAC | $32 | — | $32 | 0.03% |
| BRADY L WEISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $28 | — | $28 | 0.02% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $21 | — | $21 | 0.02% |
| JENNIFER SANDAL3 | 43755 122ND ST. EDEN, SD 57232 | AFLAC | $19 | — | $19 | 0.02% |
| HAYS COMPANIES, INC. Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $17 | — | $17 | 0.01% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE WOOKEY | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $16 | — | $16 | 0.01% |
| SHON FORD LLC Filed as: SHON S FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $12 | — | $12 | 0.01% |
| JUSTINE DEVILLE3 | 5514 7TH AVE. SW WATERTOWN, SD 57201 | AFLAC | $10 | — | $10 | 0.01% |
| JASON MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | 0.01% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57401 | AFLAC | $6 | — | $6 | 0.00% |
| DAVID P AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.00% |
| TRACY L HOSTLER | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.00% |
| SHAWN D BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, SD 58104 | AFLAC | $4 | — | $4 | 0.00% |
| KARA M CARMODY | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $3 | — | $3 | 0.00% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M BARNETT Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| KIM R HARMS3 Filed as: KIM HARMS | PO BOX 184 COLMAN, SD 57017 | AFLAC | — | — | $0 | 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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 221 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.