| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC Filed as: NORTH RISK PARTNERS | — | SANFORD HEALTH PLAN | $14K | — | $14K | 2.05% |
| KEVIN DAVID GLEASON3 | 27856 468TH AVE LENNOX, SD 57039 | PRINCIPAL LIFE INSURANCE COMPANY | $715 | — | $715 | 9.52% |
| JAMES ALAN HEYN3 Filed as: JAMES HEYN | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $8K | $277 | $9K | — |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $2K | $110 | $2K | — |
| THOMAS JENSEN3 | 907 S 5TH ST MILBANK, SD 57252 | AFLAC | $1K | $65 | $1K | — |
| BRYON ALLEN DAHLE3 | 1814 13TH AVE NE WATERTOWN, SD 57201 | AFLAC | $1K | $103 | $1K | — |
| CAROLYN MAE AMMANN3 Filed as: CAROLYN AMMANN | 2013 PALISADES LN WATERTOWN, SD 57201 | AFLAC | $1K | $0 | $1K | — |
| MATTISON NAWROTH3 | 214 1ST ST SW WATERTOWN, SD 57201 | AFLAC | $852 | $73 | $925 | — |
| KRISTA OLESON3 | 1193 MAYFAIR DR WATERTOWN, SD 57201 | AFLAC | $847 | $0 | $847 | — |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $787 | $0 | $787 | — |
| NEFZGER ENTERPRISES INC | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $694 | $0 | $694 | — |
| MARICELA MORALES4 | 113 FAIRMOUNT ST SIOUX CITY, IA 51106 | AFLAC | $460 | $66 | $526 | — |
| LANCE D THORSON3 Filed as: LANCE THORSON | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $468 | $0 | $468 | — |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $297 | $0 | $297 | — |
| DIANA PADILLA3 | 1215 DUBUQUE ST SIOUX CITY, IA 51105 | AFLAC | $276 | $0 | $276 | — |
| YESIKA MUNOZ3 | 500 E MAIN ST CASTLEWOOD, SD 57223 | AFLAC | $268 | $0 | $268 | — |
| THEODORE W HONKE3 Filed as: THEODORE HONKE | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $255 | $0 | $255 | — |
| ASHLEY POITRA3 | 908 1ST ST BRITTON, SD 57430 | AFLAC | $241 | $0 | $241 | — |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $238 | $0 | $238 | — |
| CLAIRE FRAZEE3 | 15274 477TH AVE MILBANK, SD 57252 | AFLAC | $210 | $0 | $210 | — |
| NAOMI K DEMPCY3 | 416 5TH ST. WEST MADISON, MN 56256 | AFLAC | $209 | $0 | $209 | — |
| JULIA KREJCHI3 Filed as: JULIA MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $110 | $0 | $110 | — |
| LYNNE DUHAIME3 | 544 SANDSTONE CIR DAKOTA DUNES, SD 57049 | AFLAC | $92 | $15 | $107 | — |
| NAOMI C MCLAUGHLIN3 Filed as: NAOMI MCLAUGHLIN | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $106 | $0 | $106 | — |
| CHANCELLOR HEYD3 | 712 1ST ST SW WATERTOWN, SD 57201 | AFLAC | $105 | $0 | $105 | — |
| BRIAN LEE FREEMAN3 | PO BOX 178 1111 6TH ST BRITTON, SD 57430 | AFLAC | $104 | $0 | $104 | — |
| KRISTI ENDRES3 | 1305 22ND ST NE WATERTOWN, SD 57201 | AFLAC | $102 | $0 | $102 | — |
| CHRISTINA A LENTSCH | 45204 121ST ST SISSETON, SD 57262 | AFLAC | $96 | $0 | $96 | — |
| RYAN SPANTON3 | 401 S 2ND ST MILBANK, SD 57252 | AFLAC | $95 | $0 | $95 | — |
| DARREN J FERNER3 Filed as: DARREN FERNER | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $75 | $15 | $90 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $76 | $0 | $76 | — |
| SHIRLEY WYMAN3 | 1120 N 3RD ST WAUBAY, SD 57273 | AFLAC | $73 | $0 | $73 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $69 | $0 | $69 | — |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $61 | $0 | $61 | — |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $52 | $0 | $52 | — |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $44 | $0 | $44 | — |
| LISA K UHLIR3 Filed as: LISA UHLIR | 8516 E WILLOW RIDGE PLACE SIOUX FALLS, SD 57110 | AFLAC | $37 | $0 | $37 | — |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $34 | $0 | $34 | — |
| ANTHONY GRIEPP3 | 208 14TH ST NW WATERTOWN, SD 57201 | AFLAC | $34 | $0 | $34 | — |
| SCOTT E PFAFF3 Filed as: SCOTT PFAFF | 2201 ASH AVE NE WATERTOWN, SD 57201 | AFLAC | $28 | $0 | $28 | — |
| MARY C SIMINOVSKY3 | 109 MAJORCA WAY APT 303 JUPITER, FL 33458 | AFLAC | $27 | $0 | $27 | — |
| SCOTT SHANKS3 | 1903 COUNTRY CLUB DR ELK POINT, SD 57025 | AFLAC | $27 | $0 | $27 | — |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $25 | $0 | $25 | — |
| ERICCA J PAUL3 | 301 W OPAL LN APT A HARTFORD, SD 57033 | AFLAC | $25 | $0 | $25 | — |
| HEATHER M BRAMER3 Filed as: HEATHER BRAMER | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $23 | $0 | $23 | — |
| JULI RICHTER3 | 15652 456TH AVE SOUTH SHORE, SD 57263 | AFLAC | $22 | $0 | $22 | — |
| ANNE E MACK3 Filed as: ANNE MACK | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $20 | $0 | $20 | — |
| ROBERT WATKINS3 | PO BOX 14 BRITTON, SD 57430 | AFLAC | $20 | $0 | $20 | — |
| JASON MACK3 | 1623 7TH ST NE WATERTOWN, SD 57201 | AFLAC | $14 | $0 | $14 | — |
| JUSTINE DEVILLE3 | 5514 7TH AVENUE SW WATERTOWN, SD 57201 | AFLAC | $11 | $0 | $11 | — |
| DANIELE HEYN | 6509 S SHANNON CIR SIOUX FALLS, SD 57108 | AFLAC | $11 | $0 | $11 | — |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $10 | $0 | $10 | — |
| CONNIE SCHWEITZER3 | 918 S 1ST ST ABERDEEN, SD 57401 | AFLAC | $10 | $0 | $10 | — |
| RHONDA WENBERG3 | 3 BENT TREE DR LITTLE ROCK, AR 72212 | AFLAC | $8 | $0 | $8 | — |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $7 | $0 | $7 | — |
| RONDA ROSE-KAYSER3 | 2320 SIENNA CIR TEA, SD 57064 | AFLAC | $7 | $0 | $7 | — |
| JENNIFER SANDAL3 | 43755 122ND ST EDEN, SD 57232 | AFLAC | $6 | $0 | $6 | — |
| ALFSON INSURANCE LLC | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $6 | $0 | $6 | — |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $5 | $0 | $5 | — |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $5 | $0 | $5 | — |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $3 | $0 | $3 | — |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $2 | $0 | $2 | — |
| ROBIN NEFZGER3 | 524 WEST LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $1 | $0 | $1 | — |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVE E. ST ST. PAUL, MN 55106 | AFLAC | $1 | $0 | $1 | — |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | $0 | $1 | — |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SANFORD HEALTH PLAN | 186 | $701K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 75 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.