Form 5500 · Employee benefit plan · SIOUX FALLS, SD
VOLUNTEERS OF AMERICA, DAKOTAS
The filing calls this plan WELFARE BENEFIT PLAN.
VOLUNTEERS OF AMERICA, DAKOTAS of SIOUX FALLS, SD spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN AND BROWN INSURANCE SERVICES. Coverage is written through AVERA HEALTH PLANS, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-7353508 · plan 502 · 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: death benefits, 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 4 insured contracts covering health, dental, vision, life and disability; the largest, with AVERA HEALTH PLANS, INC., covers 97 people.
Reported premium across the insured contracts is $1,713,047, with $50,576 in disclosed broker commissions — about 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.
BROWN AND BROWN INSURANCE SERVICES is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including AVERA HEALTH PLANS, INC., DELTA DENTAL OF SOUTH DAKOTA, RELIANCE STANDARD LIFE INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. AVERA HEALTH PLANS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AVERA HEALTH PLANS, INC. | Health | 97 | Jan 1, 2026 | $1,520,403 | $36,825 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 297 | Jan 1, 2026 | $78,276 | $8,483 |
| DELTA DENTAL OF SOUTH DAKOTA | Dental | 120 | Jan 1, 2026 | $104,413 | $2,644 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 198 | Jan 1, 2026 | $9,955 | $2,624 |
Premium and claims on this contract
AVERA HEALTH PLANS, INC., contract A0004661. For the contract year on this filing, the carrier reported $1,520,403 in premium earned and $1,197,051 in claims incurred. Dividing one by the other gives 79%.
- AVERA HEALTH PLANS, INC., contract A0004661 reported $63,370 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
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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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