| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES ALAN HEYN3 Filed as: JAMES HEYN | 1296 S LAKE DR WATERTOWN, SD 57201 | AFLAC | $14K | $489 | $15K | 8.70% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $5K | $177 | $5K | 3.01% |
| THOMAS JENSEN3 | 907 S 5TH ST MILBANK, SD 57252 | AFLAC | $3K | $31 | $3K | 1.69% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $3K | — | $3K | 1.64% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $2K | $13 | $2K | 1.40% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $2K | — | $2K | 1.34% |
| CLAIRE FRAZEE3 | 15274 477TH AVE MILBANK, SD 57252 | AFLAC | $1K | $326 | $1K | 0.87% |
| PEAK INC3 | PO BOX 514 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $1K | $164 | $1K | 0.84% |
| RENEE HOOVER3 | 105 4TH AVE NW WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.67% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.64% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $674 | — | $674 | 0.40% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $506 | — | $506 | 0.30% |
| AMANDA THISTLETHWAITE3 | 600 3RD AVE SE WATERTOWN, SD 57201 | AFLAC | $503 | — | $503 | 0.30% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $471 | — | $471 | 0.28% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $240 | — | $240 | 0.14% |
| ROBIN NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $170 | $2 | $172 | 0.10% |
| SHIRLEY WYMAN3 | 1120 N 3RD ST WAUBAY, SD 57273 | AFLAC | $161 | — | $161 | 0.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $161 | — | $161 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $144 | — | $144 | 0.09% |
| ANNE E MACK3 Filed as: ANNE MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $104 | $39 | $143 | 0.09% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $126 | — | $126 | 0.08% |
| JASON MACK3 Filed as: JASON MAC | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $100 | — | $100 | 0.06% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $74 | — | $74 | 0.04% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $60 | — | $60 | 0.04% |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $58 | — | $58 | 0.03% |
| SCOTT E PFAFF3 Filed as: SCOTT PFAFF | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $51 | — | $51 | 0.03% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $49 | — | $49 | 0.03% |
| ROXANNE M FIECHTNER3 Filed as: ROXANNE FIECHTNER | 3922 S WESTERN AVE SIOUX FALLS, SD 57105 | AFLAC | $27 | $17 | $44 | 0.03% |
| TED HONKE3 | PO BOX 514 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $36 | $2 | $38 | 0.02% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $28 | — | $28 | 0.02% |
| CONNIE SCHWEITZER3 | 918 S 1ST ST ABERDEEN, SD 57401 | AFLAC | $28 | — | $28 | 0.02% |
| RHONDA WENBERG3 | 3 BENT TREE DR LITTLE ROCK, AR 72212 | AFLAC | $21 | — | $21 | 0.01% |
| JENNIFER SANDAL3 | 43755 122ND ST EDEN, SD 57232 | AFLAC | $15 | — | $15 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $13 | — | $13 | 0.01% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $13 | — | $13 | 0.01% |
| JUSTINE DEVILLE3 | 5514 7TH AVENUE SW WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $10 | — | $10 | 0.01% |
| CHRISTIE L WOOKEY3 Filed as: CHRISTIE WOOKEY | 808 SOUTH MAPLE WATERTOWN, SD 57201 | AFLAC | $9 | — | $9 | 0.01% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $8 | — | $8 | 0.00% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $6 | — | $6 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $5 | — | $5 | 0.00% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $3 | — | $3 | 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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 240 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
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.