Welfare broker

WESTERN DAKOTA INSURORS

Mailing address (most recent filing)

PO BOX 1300

RAPID CITY, SD 57709

Total comp: $33K
Commissions: $33K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

Where WESTERN DAKOTA INSURORS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

SANFORD HEALTH PLAN50.0%
METROPOLITAN LIFE INSURANCE COMPANY50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
SANFORD HEALTH PLAN	1	$1.5M	50.0%
METROPOLITAN LIFE INSURANCE COMPANY	1	$46K	50.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
SD	2	$1.5M	0.6%	362.21x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of WESTERN DAKOTA INSURORS's plans by broker comp / premium ratio. Median 8.31% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of WESTERN DAKOTA INSURORS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where WESTERN DAKOTA INSURORS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
SCULL CONSTRUCTION SERVICE, INC. SCULL CONSTRUCTION SERVICE HEALTHCARE BENEFIT PLAN	SD	$1.5M	$27K	SANFORD HEALTH PLAN
YOUTH & FAMILY SERVICES, INC YOUTH & FAMILY SERVICES LIFE & LONG TERM DISABILITY PLAN	SD	$46K	$7K	METROPOLITAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

SANFORD HEALTH PLAN

$1.5M

50.0%

METROPOLITAN LIFE INSURANCE COMPANY

$46K

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.6%

362.21x

Sponsor

Loc

Premium

Comp

Carrier

SCULL CONSTRUCTION SERVICE, INC.

SCULL CONSTRUCTION SERVICE HEALTHCARE BENEFIT PLAN

$1.5M

$27K

SANFORD HEALTH PLAN

YOUTH & FAMILY SERVICES, INC

YOUTH & FAMILY SERVICES LIFE & LONG TERM DISABILITY PLAN

$46K

$7K

METROPOLITAN LIFE INSURANCE COMPANY