| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC Filed as: JOHN WEST | — | SANFORD HEALTH PLAN | $16K | — | $16K | 1.81% |
| JAMES ALAN HEYN3 Filed as: JAMES HEYN | 1296 S LAKE DR WATERTOWN, SD 57201 | AFLAC | $15K | $928 | $16K | 8.76% |
| THOMAS JENSEN3 | 907 S 5TH ST MILBANK, SD 57252 | AFLAC | $3K | $130 | $4K | 1.96% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $3K | $254 | $3K | 1.62% |
| NEFZGER ENTERPRISES INC3 | 524 WEST LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $3K | $234 | $3K | 1.55% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $2K | $0 | $2K | 1.29% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $2K | $81 | $2K | 0.94% |
| MONICA ANN MAHWALD3 | 616 N LAKE DR WATERTOWN, SD 57201 | AFLAC | $1K | $41 | $1K | 0.80% |
| NAOMI K DEMPCY3 | 416 5TH ST. WEST MADISON, MN 56256 | AFLAC | $931 | $0 | $931 | 0.52% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $867 | $0 | $867 | 0.48% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $655 | $3 | $658 | 0.36% |
| CLAIRE FRAZEE3 | 15274 477TH AVE MILBANK, SD 57252 | AFLAC | $602 | $0 | $602 | 0.33% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $589 | $0 | $589 | 0.33% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $440 | $0 | $440 | 0.24% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $396 | $0 | $396 | 0.22% |
| RENEE HOOVER3 | 105 4TH AVE NW WATERTOWN, SD 57201 | AFLAC | $348 | $5 | $353 | 0.20% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $226 | $0 | $226 | 0.13% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $154 | $0 | $154 | 0.09% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $151 | $0 | $151 | 0.08% |
| SHIRLEY WYMAN3 | 1120 N 3RD ST WAUBAY, SD 57273 | AFLAC | $134 | $0 | $134 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AFLAC | $129 | $0 | $129 | 0.07% |
| JASON MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $96 | $0 | $96 | 0.05% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $83 | $0 | $83 | 0.05% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $69 | $0 | $69 | 0.04% |
| ROBIN NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $40 | $10 | $50 | 0.03% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $46 | $0 | $46 | 0.03% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $46 | $0 | $46 | 0.03% |
| SCOTT E PFAFF3 Filed as: SCOTT PFAFF | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $39 | $0 | $39 | 0.02% |
| SARAH SUTTON3 | 1618 8TH ST NE WATERTOWN, SD 57201 | AFLAC | $34 | $0 | $34 | 0.02% |
| ANNE E MACK3 Filed as: ANNE MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $28 | $0 | $28 | 0.02% |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $28 | $0 | $28 | 0.02% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $25 | $0 | $25 | 0.01% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $21 | $0 | $21 | 0.01% |
| CONNIE SCHWEITZER3 | 918 S 1ST ST ABERDEEN, SD 57401 | AFLAC | $19 | $0 | $19 | 0.01% |
| JENNIFER SANDAL3 | 43755 122ND ST EDEN, SD 57232 | AFLAC | $17 | $0 | $17 | 0.01% |
| TED HONKE3 | PO BOX 514 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $14 | $0 | $14 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $11 | $0 | $11 | 0.01% |
| JUSTINE DEVILLE3 | 5514 7TH AVENUE SW WATERTOWN, SD 57201 | AFLAC | $11 | $0 | $11 | 0.01% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $8 | $0 | $8 | 0.00% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC | $4 | $0 | $4 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $4 | $0 | $4 | 0.00% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $3 | $0 | $3 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $2 | $0 | $2 | 0.00% |
| KEVIN DAVID GLEASON3 | 4910 S ISABEL PL STE 100 SIOUX FALLS, SD 571085055 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.89% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 215 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.