Dick Anderson Construction
Updated Filing received by DOL
Dick Anderson Construction, a construction employer in Helena, Montana, reported 455 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $5.2M in insurance premiums across 6 contracts and $211,920 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Bluecross Blueshield of Montana). The Department of Labor received an amended filing on November 19, 2025; the original filing date is not in the public dataset.
Who was paid on Dick Anderson Construction's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Dick Anderson Construction filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Seattle, WA | $96,430 | $67,224 | $163,654 | 9 |
| Christine L Eby · Helena, MT | $18,274 | $0 | $18,274 | 1 |
| Holly Kristine Hall · Hayden, ID | $12,118 | $0 | $12,118 | 1 |
| Fmlasource Inc · Chicago, IL | $0 | $8,818 | $8,818 | 1 |
| Kari Schalin · Great Falls, MT | $5,408 | $0 | $5,408 | 1 |
| Vernon Lindstrand · Great Falls, MT | $3,456 | $0 | $3,456 | 1 |
| Jose Cruz Blanco · Morgan Hill, CA | $192 | $0 | $192 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross Blueshield of Montanastop-loss | 1,206 | $5.2M | $44,946 | 0.9% |
| United of Omaha Life Insurance Companyshort-term disability | 516 | — | $23,047 | — |
| United of Omaha Life Insurance Companylife | 516 | — | $35,906 | — |
| United of Omaha Life Insurance Companyshort-term disability | 515 | — | $30,904 | — |
| United of Omaha Life Insurance Companylife | 123 | — | $11,492 | — |
| Continential American Insurance Companyshort-term disability, long-term disability | 296 | — | $65,625 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Dick Anderson Construction compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 425 | 455 | +7.1% |
| Premiums filed | $5,584,622 | $5,161,450 | −7.6% |
| Broker commissions + fees | $69,395 | $211,920 | +205.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Dick Anderson Construction, Inc. Health and Welfare Benefit Plan#501 · amended · insurance, general assets, trust | December 31, 2024 | November 19, 2025 | amended filing; original date not in data | 455 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Dick Anderson Construction pay in health insurance broker commissions in 2024?
Dick Anderson Construction's 2024 Form 5500 reports $211,920 in broker commissions and fees across 6 insurance contracts ($135,878 in commissions, $76,042 in fees), with Alliant Insurance Services receiving the largest share.
Is Dick Anderson Construction's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Bluecross Blueshield of Montana).
How does Dick Anderson Construction's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Dick Anderson Construction because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.