Southeastern Behavioral Healthcare
Updated Filing received by DOL
Southeastern Behavioral Healthcare, a healthcare & social assistance employer in Sioux Falls, South Dakota, reported 129 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.5M in insurance premiums across 4 contracts and $22,865 in broker commissions and fees, 0.9% 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 July 24, 2025, before the deadline.
Who was paid on Southeastern Behavioral Healthcare's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Southeastern Behavioral Healthcare filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Chicago, IL | $15,588 | $0 | $15,588 | 3 |
| Howalt McDowell Insurance · Sioux Falls, SD | $5,988 | $1,289 | $7,277 | 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 |
|---|---|---|---|---|
| Avera Health Plans, Inc.health, prescription drug | 188 | $1.5M | $12,848 | 0.9% |
| Vision Service Planvision | 100 | — | $1,016 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 204 | — | $7,277 | — |
| Delta Dental of South Dakotadental | 176 | — | $1,724 | — |
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 Southeastern Behavioral Healthcare 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: $7,871 a year (national median $7,274).
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 | 141 | 129 | −8.5% |
| Premiums filed | $1,242,181 | $1,479,659 | +19.1% |
| Broker commissions + fees | $22,789 | $22,865 | +0.3% |
| Commission rate | 1.0% | 0.9% | −0.2 pts |
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 |
|---|---|---|---|---|
| Southeastern Behavioral Healthcare Family Health Plan#504 · insurance, general assets | December 31, 2024 | July 24, 2025 | before deadline | 129 |
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 Southeastern Behavioral Healthcare pay in health insurance broker commissions in 2024?
Southeastern Behavioral Healthcare's 2024 Form 5500 reports $22,865 in broker commissions and fees across 4 insurance contracts ($21,576 in commissions, $1,289 in fees), with Marsh McLennan Agency receiving the largest share.
Is Southeastern Behavioral Healthcare's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Avera Health Plans, Inc..
How does Southeastern Behavioral Healthcare's broker compensation compare with similar employers?
Southeastern Behavioral Healthcare paid 0.9% 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.