Form 5500 · Employee benefit plan · BROOKINGS, SD
HME COMPANIES, LLC
The filing calls this plan HME COMPANIES, LLC EMPLOYEE BENEFIT PLANS.
HME COMPANIES, LLC of BROOKINGS, SD spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BANK WEST. Coverage is written through WELLMARK OF SOUTH DAKOTA, INC. and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-2282354 · plan 501 · plan year 2025, filed Mar 27, 2026
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291 other employer plans in South Dakota have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
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 3 insured contracts covering health, dental and vision; the largest, with WELLMARK OF SOUTH DAKOTA, INC., covers 90 people.
Reported premium across the insured contracts is $1,010,985, with $3,168 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BANK WEST is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including WELLMARK OF SOUTH DAKOTA, INC., DELTA DENTAL OF SOUTH DAKOTA and FIDELITY SECURITY LIFE INSURANCE COMPANY. WELLMARK OF SOUTH DAKOTA, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF SOUTH DAKOTA | Dental | 187 | Jan 1, 2026 | $97,341 | $1,773 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 141 | Jan 1, 2026 | $13,887 | $1,395 |
| WELLMARK OF SOUTH DAKOTA, INC. | Health | 90 | Jan 1, 2026 | $899,757 | $0 |
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.
How this plan compares
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Renewal calendar
291 other employer plans in South Dakota are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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