Northwest Pipe Fittings, Inc.
Updated Filing received by DOL
Northwest Pipe Fittings, Inc., a wholesale trade employer in Rapid City, South Dakota, reported 124 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.6M in insurance premiums across 6 contracts and $43,512 in broker commissions and fees, 1.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 27, 2026, within the extension window.
Who was paid on Northwest Pipe Fittings, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Northwest Pipe Fittings, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Chicago, IL | $22,433 | $0 | $22,433 | 1 |
| Wendy L Swartz · Rapid City, SD | $6,108 | $70 | $6,178 | 1 |
| Dakotacare Administrative Services · Sioux Falls, SD | $5,254 | $0 | $5,254 | 1 |
| Dan Maguire Black Hills Insurance · Rapid City, SD | $2,488 | $0 | $2,488 | 2 |
| Amber Marie Lind · Rapid City, SD | $1,263 | $11 | $1,274 | 1 |
| Black Hills Insurance Agency, Inc · Rapid City, SD | $961 | $0 | $961 | 1 |
| Summit Reinsurance Services · Fort Wayne, IN | $544 | $0 | $544 | 1 |
| Scott C Olsen · Rapid City, SD | $505 | $0 | $505 | 1 |
| Jennifer Renae Haase · Spearfish, SD | $467 | $36 | $503 | 1 |
| Wendy M Boone · Lead, SD | $362 | $13 | $375 | 1 |
| Jaclyn Rose Mann · Rapid City, SD | $303 | $0 | $303 | 1 |
| Danielle Marie Nosbush · Gary, SD | $272 | $0 | $272 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Wellmark Blue Cross and Blue Shield of South Dakotahealth | 59 | $1.6M | $22,433 | 1.4% |
| Aflacdental, vision, life, short-term disability, indemnity | 62 | — | $11,832 | — |
| Delta Dental of South Dakota - Low Plandental | 79 | — | $1,221 | — |
| VSP Vison Service Planvision | 40 | — | $961 | — |
| Companion Life Insurance Companylife | 119 | — | $5,798 | — |
| Delta Dental of South Dakota - High Plandental | 93 | — | $1,267 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Northwest Pipe Fittings, Inc. 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.
Premium per covered person on medical contracts: $27,864 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Northwest Pipe Fittings Incorporated Flexible Benefit Plan#507 · insurance, general assets | December 31, 2025 | August 27, 2026 | within extension | 124 |
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 Northwest Pipe Fittings, Inc. pay in health insurance broker commissions in 2025?
Northwest Pipe Fittings, Inc.'s 2025 Form 5500 reports $43,512 in broker commissions and fees across 6 insurance contracts ($43,382 in commissions, $130 in fees), with Marsh McLennan Agency receiving the largest share.
Is Northwest Pipe Fittings, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Wellmark Blue Cross and Blue Shield of South Dakota.
How does Northwest Pipe Fittings, Inc.'s broker compensation compare with similar employers?
Northwest Pipe Fittings, Inc. paid 1.4% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in South Dakota is 1.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.