| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: MICHAEL WALDMAN IMA, INC. | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BRAD HEARST MARSH MCLENNAN AGENCY | 300 NORTH CHERAPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | DELTA DENTAL OF SOUTH DAKOTA | $701 | — | $701 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $661 | $2K | $3K | 7.58% |
| IMA, INC.3 | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.07% |
| IMA, INC.3 | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $419 | $2K | $3K | 6.97% |
| IMA, INC.3 | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $939 | $2K | $3K | 8.10% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| IMA, INC.3 Filed as: IMA OF KANSAS, INC. | P.O. BOX 2992 WICHITA, KS 67201 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT-MCDOWELL INSURANCE, INC. | 300 CHERPA PLACE SUITE 601 SIOUX FALLS, SD 57103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $516 | — | $516 | 1.72% |
| MELISSA J BECK3 | 26505 LAKEVIEW PL HARTFORD, SD 57033 | AFLAC | $1K | $21 | $1K | 3.73% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $401 | $15 | $416 | 1.39% |
| DOUGLAS HASLIP3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $196 | — | $196 | 0.66% |
| CHRIS A GUSTAFSON3 | 25977 482ND AVE BRANDON, SD 57005 | AFLAC | $135 | — | $135 | 0.45% |
| PAMELA J KREBER3 | 5905 S DEER PARK DR SIOUX FALLS, SD 57108 | AFLAC | $125 | — | $125 | 0.42% |
| SHERRY M ADAMS3 | 7227 W LANCASTER CIR SIOUX FALLS, SD 57106 | AFLAC | $113 | — | $113 | 0.38% |
| BRANDY LEE HUMMEL3 | 5608 W NANCY ST SIOUX FALLS, SD 57106 | AFLAC | $106 | — | $106 | 0.35% |
| KRISTY ANN KAUFMAN3 | 912 S SCARLET OAK TRL SIOUX FALLS, SD 57110 | AFLAC | $93 | — | $93 | 0.31% |
| SHAWNA STARR NYHAUG3 | 206 W MAPLE ST BERESFORD, SD 57004 | AFLAC | $74 | — | $74 | 0.25% |
| SARA KNEIP3 | 1500 FRANKLIN AVE BROOKINGS, SD 57006 | AFLAC | $53 | — | $53 | 0.18% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $50 | — | $50 | 0.17% |
| RENAE SALLQUIST KNOPF3 | 1716 W GRAND ARBOR CIR SIOUX FALLS, SD 57108 | AFLAC | $41 | — | $41 | 0.14% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $34 | — | $34 | 0.11% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | AFLAC | $34 | — | $34 | 0.11% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $34 | — | $34 | 0.11% |
| KIM R HARMS3 | 310 BIRCH AVE AURORA, SD 57002 | AFLAC | $33 | — | $33 | 0.11% |
| MELODY B THOMPSON3 | 1601 BLAIRHILL CIR BROOKINGS, SD 57006 | AFLAC | $33 | — | $33 | 0.11% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $30 | — | $30 | 0.10% |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $23 | — | $23 | 0.08% |
| JEREMY ALLEN TIMMERMANS3 | 46124 274TH ST CHANCELLOR, SD 57015 | AFLAC | $22 | — | $22 | 0.07% |
| JEFFREY J YOUNG3 | 7014 S WITZKE PL SIOUX FALLS, SD 57108 | AFLAC | $20 | — | $20 | 0.07% |
| MICHAEL BOLGER3 | 128 WOODLAND DR MADISON, SD 57042 | AFLAC | $20 | — | $20 | 0.07% |
| JAMES MCDONALD3 Filed as: JAMES J LAMBERT | 5509 S JERSEY TESS DR SIOUX FALLS, SD 57108 | AFLAC | $16 | — | $16 | 0.05% |
| ASHLEY BENNETT LLC3 | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $15 | — | $15 | 0.05% |
| MELODY B THOMPSON3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $13 | — | $13 | 0.04% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $12 | — | $12 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.04% |
| CASSIDY A GOLDSTINE3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $8 | — | $8 | 0.03% |
| MATAYA L NABER3 | 3809 W TECHNOLOGY CIR SIOUX FALLS, SD 57106 | AFLAC | $6 | — | $6 | 0.02% |
| NANCY R VANDENBERGE3 | 410 E MARY MOORE DR TEA, SD 57064 | AFLAC | $6 | — | $6 | 0.02% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.02% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $6 | — | $6 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.02% |
| DIANE M HANSUM3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $3 | — | $3 | 0.01% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $3 | — | $3 | 0.01% |
| SHON FORD LLC3 | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $3 | — | $3 | 0.01% |
| THEODORE W HONKE3 | 29478 US HIGHWAY 281 LAKE ANDES, SD 57356 | AFLAC | $2 | — | $2 | 0.01% |
| PATRICK K RICKERL3 | 3300 S PILLSBERRY AVE SIOUX FALLS, SD 57103 | AFLAC | $1 | — | $1 | 0.00% |
| IMA, INC.3 | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $318 | — | $318 | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67 | $240 | $307 | 7.98% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 172 | $2.1M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 369 | $182K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 228 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $40K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.