| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE K KIMBROUGH3 Filed as: LESLIE HENDRICKSON | — | SANFORD HEALTH PLAN | $13K | — | $13K | 1.86% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | — | SANFORD HEALTH PLAN | $6K | — | $6K | 0.83% |
| JAMES ALAN HEYN3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $8K | $258 | $9K | 5.52% |
| THOMAS JENSEN3 | 907 S 5TH ST MILBANK, SD 57252 | AFLAC | $2K | $98 | $2K | 1.20% |
| MARICELA MORALES3 | 113 FARIMOUNT ST SOUIX CITY, IA 51106 | AFLAC | $1K | — | $1K | 0.91% |
| CHRISTINA A LENTSCH3 | 45204 121ST ST SISSETON, SD 57262 | AFLAC | $1K | $170 | $1K | 0.89% |
| CAROLYN MAE AMMANN3 | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.84% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $1K | $115 | $1K | 0.81% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.79% |
| BRYON ALLEN DAHLE3 | 1814 13TH AVE NE WATERTOWN, SD 57201 | AFLAC | $1K | — | $1K | 0.75% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $747 | — | $747 | 0.48% |
| BRIAN LEE FREEMAN3 | PO BOX 178 1111 6TH ST BRITTON, SD 57430 | AFLAC | $683 | — | $683 | 0.44% |
| MATTISON NAWROTH3 Filed as: MATTISON NICOLE NAWROTH | 214 1ST ST SW WATERTOWN, SD 57201 | AFLAC | $552 | $30 | $582 | 0.37% |
| LANCE D THORSON3 | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $387 | — | $387 | 0.25% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $338 | — | $338 | 0.22% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $280 | — | $280 | 0.18% |
| RYAN SPANTON3 | 401 S 2ND ST MILBANK, SD 57252 | AFLAC | $262 | $2 | $264 | 0.17% |
| CLAIRE FRAZEE3 Filed as: CLAIRE MARIE FRAZEE | 15274 477TH AVE MILBANK, SD 57252 | AFLAC | $224 | — | $224 | 0.14% |
| LYNEE MARIE DUHAIME3 | 544 SANDSTONE CIR DAKOTA DUNES, SD 57049 | AFLAC | $221 | — | $221 | 0.14% |
| NAOMI K DEMPCY3 | 416 W 5TH ST MADISON, MN 56256 | AFLAC | $220 | — | $220 | 0.14% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $171 | — | $171 | 0.11% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $163 | — | $163 | 0.10% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $128 | — | $128 | 0.08% |
| LANCE D THORSON3 | 6745 N 93RD AVE UNIT 1154 GLENDALE, AZ 85305 | AFLAC | $124 | — | $124 | 0.08% |
| DANIELE HEYN3 | 6509 SHANNON CIR SIOUX FALLS, SD 57108 | AFLAC | $79 | $22 | $101 | 0.06% |
| MCHAEL D EVANS3 | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $88 | — | $88 | 0.06% |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $82 | — | $82 | 0.05% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $75 | — | $75 | 0.05% |
| SHIRLEY WYMAN3 Filed as: SHIRLEY M WYMAN | 1120 N 3RD ST WAUBAY, SD 57273 | AFLAC | $73 | — | $73 | 0.05% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $70 | — | $70 | 0.04% |
| KRYSTLE LEE ALTHOSS3 | 517 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $67 | — | $67 | 0.04% |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $55 | — | $55 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $41 | — | $41 | 0.03% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $38 | — | $38 | 0.02% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $34 | — | $34 | 0.02% |
| SCOTT E PFAFF3 | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $32 | — | $32 | 0.02% |
| ERICCA J PAUL3 | 301 W OPAL LN APT A HARTFORD, SD 57033 | AFLAC | $32 | — | $32 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $32 | — | $32 | 0.02% |
| MARY C SIMINOVSKY3 | 109 MAJORCA WAY APT 303 JUPITER, FL 33458 | AFLAC | $30 | — | $30 | 0.02% |
| BRADY L WEISENBERGER3 Filed as: BRADY L WISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $27 | — | $27 | 0.02% |
| ANNE E MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $25 | — | $25 | 0.02% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $23 | — | $23 | 0.01% |
| ROBERT WATKINS3 Filed as: ROBERT L WATKINS | PO BOX 14 BRITTON, SD 57430 | AFLAC | $22 | — | $22 | 0.01% |
| JASON MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $17 | — | $17 | 0.01% |
| CONNIE SCHWEITZER3 | 918 S 1ST ST ABERDEEN, SD 57401 | AFLAC | $15 | — | $15 | 0.01% |
| JUSTINE DEVILLE3 Filed as: JUSTINE N DEVILLE | 5514 7H AVE SW WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.01% |
| PERFORMANCE PLUS LLC3 | 114N MAIN ST MITCHELL, SD 57301 | AFLAC | $9 | — | $9 | 0.01% |
| JONNELL P ACKELSON3 | 31250 N AVE ADEL, IA 50003 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $7 | — | $7 | 0.00% |
| RONDA ROSE-KAYSER3 | 2320 SIENNA CIR TEA, SD 57064 | AFLAC | $7 | — | $7 | 0.00% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $7 | — | $7 | 0.00% |
| JENNIFER SANDAL3 Filed as: JENNIFER J SANDAL | 43755 122ND ST EDEN, SD 57232 | AFLAC | $6 | — | $6 | 0.00% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $6 | — | $6 | 0.00% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.00% |
| ROBIN R NEFZGER3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $5 | — | $5 | 0.00% |
| NANCY R VANDENBERGE3 Filed as: NANCY VANDENBERGE | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $5 | — | $5 | 0.00% |
| JULIA KREJCHI3 Filed as: JULIA MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $2 | — | $2 | 0.00% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN DAVID GLEASON3 Filed as: KEVIN D GLEASON | 27856 468TH AVE LENNOX, SD 57039 | PRINCIPAL LIFE INSURANCE COMPANY | $769 | — | $769 | 9.01% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 192 | $872K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 79 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.