| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUSTAN DENDY3 | GALLAGHER BENEFIT SERVICES TX 12750 MERIT DR STE 1000 DALLAS, TX 75251 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.12% |
| IMA, INC.3 Filed as: MICHAEL WALDMAN IMA, INC. | IMA, INC. 14221 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | DELTA DENTAL OF SOUTH DAKOTA | $591 | — | $591 | 0.38% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $404 | $12 | $416 | 2.33% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $220 | $7 | $227 | 1.27% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $89 | $4 | $93 | 0.52% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $85 | — | $85 | 0.48% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $72 | — | $72 | 0.40% |
| SHERRY M ADAMS3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $67 | — | $67 | 0.37% |
| HEATHER ROWE3 | 27007 SERENITY PL CHANCELLOR, SD 57015 | AFLAC | $39 | $19 | $58 | 0.32% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $51 | — | $51 | 0.29% |
| BRANDY LEE HUMMEL3 | 5608 W NANCY ST SIOUX FALLS, SD 57106 | AFLAC | $49 | — | $49 | 0.27% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $42 | — | $42 | 0.24% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $27 | $8 | $35 | 0.20% |
| KIM R HARMS3 | 310 BIRCH AVE AURORA, SD 57002 | AFLAC | $33 | — | $33 | 0.18% |
| TIMOTHY ALBERTSEN3 | 5301 S GAZENA PL SIOUX FALLS, SD 57106 | AFLAC | $33 | — | $33 | 0.18% |
| SHAWNA STARR NYHAUG3 | 206 W MAPLE ST BERESFORD, SD 57004 | AFLAC | $31 | — | $31 | 0.17% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $31 | — | $31 | 0.17% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $30 | — | $30 | 0.17% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $27 | — | $27 | 0.15% |
| RENAE SALLQUIST KNOPF3 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $25 | — | $25 | 0.14% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $18 | — | $18 | 0.10% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $18 | — | $18 | 0.10% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $17 | — | $17 | 0.10% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $17 | — | $17 | 0.10% |
| JEFFREY J YOUNG3 | 7014 S WITZKE PL SIOUX FALLS, SD 57108 | AFLAC | $16 | — | $16 | 0.09% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $15 | — | $15 | 0.08% |
| JAMES MCDONALD3 Filed as: JAMES J LAMBERT | 5509 S JERSEY TESS DR SIOUX FALLS, SD 57108 | AFLAC | $15 | — | $15 | 0.08% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $12 | — | $12 | 0.07% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.06% |
| JEREMY ALLEN TIMMERMANS3 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $10 | — | $10 | 0.06% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $7 | $2 | $9 | 0.05% |
| TRAVIS RONKE3 | 102 8TH ST NW WATERTOWN, SD 57201 | AFLAC | $7 | $2 | $9 | 0.05% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.03% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $3 | — | $3 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | 0.02% |
| DIANE M HANSUM3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $3 | — | $3 | 0.02% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $3 | — | $3 | 0.02% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $2 | — | $2 | 0.01% |
| MATAYA L NABER3 | 3809 W TECHNOLOGY CIR SIOUX FALLS, SD 57106 | AFLAC | $2 | — | $2 | 0.01% |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $2 | — | $2 | 0.01% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $2 | — | $2 | 0.01% |
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 | 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 |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 155 | $1.8M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 334 | $155K |
| Other | AFLAC | 17 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.