Dick Anderson Construction

Helena, MT ConstructionNAICS 236200

Self-funded health planPlan year 2025Renews January
520Participants+7% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 1Construction in MTBy participants

Overview

Dick Anderson Construction sponsors a self-funded health plan that covered 520 participants in plan year 2025, up 7% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
520 · prior year 488
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Dick Anderson Construction, Inc. Health and Welfare Benefit Plan, plan 501 (520 participants)
Stop-loss carrier
HCC Life Insurance Company
Broker compensation
$178K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
HCC Life Insurance CompanyStop-loss498$1.7M—
United of Omaha Life Insurance CompanyLong-term disability, Life, Voluntary Life and AD&D, Short-term disability524$712K$114K
Continential American Insurance CompanyShort-term disability, Long-term disability347$201K$53K
Dearborn Life Insurance CompanyVision552$83K$10K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.2M/ year

Estimated prescription spend: 520 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$79K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$14K–$29K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$9K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Dick Anderson Construction
Sponsor EIN
81-0380463
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 81-0380463 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Dick Anderson Construction, Inc. Profit Sharing Plan
Type
401(k) plan
Participants
962

About this data

Source: Dick Anderson Construction's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Dick Anderson Construction.

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