Form 5500 · Employee benefit plan · WATERTOWN, SD
PRAIRIE LAKES HEALTHCARE SYSTEM
The filing calls this plan PRAIRIE LAKES HEALTHCARE SYSTEM MEDICAL AND PRESCRIPTION PLAN.
PRAIRIE LAKES HEALTHCARE SYSTEM of WATERTOWN, SD is a 497-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-0391067 · plan 502 · plan year 2025, filed Jul 15, 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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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
The filing discloses a single insured line, health, through WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, covering 516 people.
Reported premium across the insured contracts is $6,985,655, with $30,760 in disclosed broker commissions — about 0.4% 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.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | Health, Annuity / GIC | 516 | Jan 1, 2026 | $6,985,655 | $30,760 |
Premium and claims on this contract
WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, contract A22. For the contract year on this filing, the carrier reported $6,985,655 in premium earned and $6,291,039 in claims incurred. Dividing one by the other gives 90%.
- WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, contract A22 reported $694,616 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.
Reported to OSHA
Reported to OSHA for 2025: 803 employees, 22 recordable cases, 12 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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).
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