| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE K KIMBROUGH Filed as: LESLIE HENDRICKSON | — | SANFORD HEALTH PLAN | $17K | — | $17K | 1.73% |
| JAMES ALAN HEYN3 Filed as: JAMES HEYN | 1296 S LAKE DR WATERTOWN, SD 57201 | AFLAC | $9K | $242 | $10K | 5.76% |
| THOMAS JENSEN3 | 907 S 5TH ST MILBANK, SD 57252 | AFLAC | $3K | $134 | $3K | 1.82% |
| CHRISTINA A LENTSCH | 45204 121ST ST SISSETON, SD 57262 | AFLAC | $3K | $9 | $3K | 1.63% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $2K | $100 | $2K | 1.33% |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.89% |
| NEFZGER ENTERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $819 | — | $819 | 0.49% |
| LANCE D THORSON3 Filed as: LANCE THORSON | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $558 | — | $558 | 0.33% |
| DANIELE HEYN | 6509 S SHANNON CIR SIOUX FALLS, SD 57108 | AFLAC | $438 | — | $438 | 0.26% |
| BRIAN LEE FREEMAN3 | PO BOX 178 1111 6TH ST BRITTON, SD 57430 | AFLAC | $382 | $44 | $426 | 0.26% |
| NAOMI K DEMPCY3 | 416 5TH ST. WEST MADISON, MN 56256 | AFLAC | $377 | $44 | $421 | 0.25% |
| SYDNIE ANN YOUNG | 607 18TH AVE NE WATERTOWN, SD 57201 | AFLAC | $410 | — | $410 | 0.25% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $386 | — | $386 | 0.23% |
| BRYON ALLEN DAHLE3 | 1814 13TH AVE NE WATERTOWN, SD 57201 | AFLAC | $285 | $83 | $368 | 0.22% |
| THEODORE W HONKE3 Filed as: THEODORE HONKE | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $322 | — | $322 | 0.19% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $293 | — | $293 | 0.18% |
| CLAIRE FRAZEE3 | 15274 477TH AVE MILBANK, SD 57252 | AFLAC | $269 | $0 | $269 | 0.16% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $175 | — | $175 | 0.10% |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $150 | — | $150 | 0.09% |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $101 | $12 | $113 | 0.07% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $90 | — | $90 | 0.05% |
| MICHAEL D EVANS JR Filed as: MICHAEL EVANS JR | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $89 | — | $89 | 0.05% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $86 | — | $86 | 0.05% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $73 | — | $73 | 0.04% |
| SHIRLEY WYMAN3 | 1120 N 3RD ST WAUBAY, SD 57273 | AFLAC | $70 | — | $70 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $54 | — | $54 | 0.03% |
| ERICCA J PAUL3 | 807 W 1ST AVE MILLER, SD 57362 | AFLAC | $42 | — | $42 | 0.03% |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $38 | — | $38 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $37 | — | $37 | 0.02% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $34 | — | $34 | 0.02% |
| SCOTT E PFAFF3 Filed as: SCOTT PFAFF | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $32 | — | $32 | 0.02% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $29 | — | $29 | 0.02% |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $29 | — | $29 | 0.02% |
| JASON MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $28 | — | $28 | 0.02% |
| ANNE E MACK3 Filed as: ANNE MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $27 | — | $27 | 0.02% |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $22 | — | $22 | 0.01% |
| ROBIN NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $19 | — | $19 | 0.01% |
| MARY C SIMINOVSKY3 | 1035 UNITED ST DOWN STAIRS REAR KEY WEST, FL 33040 | AFLAC | $18 | — | $18 | 0.01% |
| CONNIE SCHWEITZER3 | 918 S 1ST ST ABERDEEN, SD 57401 | AFLAC | $15 | — | $15 | 0.01% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $11 | — | $11 | 0.01% |
| JENNIFER SANDAL3 | 43755 122ND ST EDEN, SD 57232 | AFLAC | $11 | — | $11 | 0.01% |
| JUSTINE DEVILLE3 | 5514 7TH AVENUE SW WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.01% |
| JULIE MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.01% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $9 | — | $9 | 0.01% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $8 | — | $8 | 0.00% |
| WILLIAM D WENBERG3 Filed as: WILLIAM WENBERG | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $8 | — | $8 | 0.00% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $7 | — | $7 | 0.00% |
| RONDA ROSE-KAYSER3 | 2320 SIENNA CIR TEA, SD 57064 | AFLAC | $7 | — | $7 | 0.00% |
| NANCY R VANDENBERGE3 | 7565 S GRAND ARBOR PL SIOUX FALLS, SD 57108 | AFLAC | $5 | — | $5 | 0.00% |
| HEIDI ALFSON | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $5 | — | $5 | 0.00% |
| ALFSON INSURANCE LLC | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $4 | — | $4 | 0.00% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN DAVID GLEASON | 27856 468TH AVE LENNOX, SD 57039 | PRINCIPAL LIFE INSURANCE COMPANY | $813 | — | $813 | 9.16% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 194 | $1.2M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.