Form 5500 · Employee benefit plan · WEST FARGO, ND
DAKOTA FENCE COMPANY
The filing calls this plan DAKOTA FENCE COMPANY CAFETERIA PLAN.
DAKOTA FENCE COMPANY of WEST FARGO, ND is a 226-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BELL INSURANCE SERVICES, LLC. Coverage is written through STANDARD INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-0338622 · plan 501 · plan year 2025, filed Jan 26, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, dental, vision and life; the largest, with STANDARD INSURANCE COMPANY, covers 231 people.
Reported premium across the insured contracts is $334,616, with $13,121 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
BELL INSURANCE SERVICES, LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: STANDARD INSURANCE COMPANY and HEALTHPARTNERS, INC..
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Dental, Vision, Life | 231 | Apr 1, 2025 | $212,462 | $13,121 |
| HEALTHPARTNERS, INC. | Health | 364 | Apr 1, 2025 | $122,154 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 161562. For the contract year on this filing, the carrier reported $203,304 in premium earned and $110,000 in claims incurred. Dividing one by the other gives 54%.
- STANDARD INSURANCE COMPANY, contract 161562 reported $98,050 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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