| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 1300 WEST 57TH STREET SIOUX FALLS, SD 57108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.00% |
| JANET H BOHNE3 Filed as: JANET H. BOHNE | 4510 SHERIDAN LAKE ROAD RAPID CITY, SD 57702 | AFLAC | $353 | $17 | $370 | 3.94% |
| KAYLA ANN SCHAD3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $278 | $8 | $286 | 3.04% |
| CAROL A BENDER3 Filed as: CAROL A. BENDER AND OTHER AGENTS | 2026 OAK RIDGE DRIVE PORTLAND, TX 78374 | AFLAC | $130 | $0 | $130 | 1.38% |
| AMBER MARIE LIND3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $117 | $8 | $125 | 1.33% |
| SHIVANI PATEL3 | 3806 MEADOWBROOK DRIVE RAPID CITY, SD 57702 | AFLAC | $88 | $17 | $105 | 1.12% |
| GUENOT ENTERPRISES INC3 Filed as: GUENOT ENTERPRISES, INC. | 1501 CENTRE STREET, SUITE 101 RAPID CITY, SD 57703 | AFLAC | $58 | $0 | $58 | 0.62% |
| STEPHEN C JONES3 Filed as: STEPHEN C. JONES | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $34 | $0 | $34 | 0.36% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $61K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.