Form 5500 · Employee benefit plan · HOWARD, SD
HORIZON HEALTH CARE, INC.
The filing calls this plan HORIZON HEALTH CARE, INC. WELFARE BENEFIT PLAN.
HORIZON HEALTH CARE, INC. of HOWARD, SD spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH MCLENNAN A. HOWALT & MCDOWELL. Coverage is written through STANDARD INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-0341255 · plan 501 · plan year 2025, filed Jan 31, 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
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 185 people.
Reported premium across the insured contracts is $80,800, with $15,991 in disclosed broker commissions — about 20% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MARSH MCLENNAN A. HOWALT & MCDOWELL is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including STANDARD INSURANCE COMPANY, OPTILEGRA, DELTA DENTAL OF SOUTH DAKOTA and WELLMARK OF SOUTH DAKOTA, INC.. STANDARD INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 185 | Jul 1, 2025 | $68,900 | $6,630 |
| OPTILEGRA | Vision | 215 | Jul 1, 2025 | — | $4,560 |
| DELTA DENTAL OF SOUTH DAKOTA | Dental | 548 | Jul 1, 2025 | — | $3,271 |
| STANDARD INSURANCE COMPANY | Life | 185 | Jul 1, 2025 | $11,900 | $1,530 |
| WELLMARK OF SOUTH DAKOTA, INC. | Health | 199 | Jul 1, 2025 | — | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 160139. For the contract year on this filing, the carrier reported $68,900 in premium earned and $-192,706 in claims incurred. Dividing one by the other gives -280%.
STANDARD INSURANCE COMPANY, contract 160139. For the contract year on this filing, the carrier reported $11,900 in premium earned and $-122 in claims incurred. Dividing one by the other gives -1%.
- STANDARD INSURANCE COMPANY, contract 160139 reported $261,617 in retention.
- STANDARD INSURANCE COMPANY, contract 160139 reported $12,024 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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