Bismarck, North Dakota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Bismarck, North Dakota filed health plans with 100 or more participants for plan year 2024, covering 19,550 participants. They reported $8.9M in insurance premiums and $882,022 in broker commissions and fees. Against 2023, premiums were down 17.4% and broker pay fell 18.3%.
Funding: 7 fully insured · 6 self-funded · 8 mixed. 14 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Bismarck
Bismarck employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Cuad Health Benefits Trust | $8,487,856 | — | 723 | — |
| United Energy Corporation | $163,174 | — | 146 | — |
| North American Holdings, Inc. | $112,104 | $63,742 | 913 | Gallagher |
| Bnccorp, Inc. | $97,981 | $31,195 | 106 | The KNW Group LLC |
| Miller Insulation Co Inc Group Benefit | $65,581 | $16,102 | 444 | Holmes Murphey & Associates LLC |
| Associated General Contractors of North Dakota Employee Benefit Trust | $16,390 | $2,057 | 1,264 | North Risk Partners LLC |
| Mdu Resources Group, Inc. | $0 | $33,908 | 5,054 | Amwins Group Benefits, LLC |
| Knife River Corporation | $0 | — | 3,395 | — |
| Basin Electric Power Cooperative | $0 | $118,564 | 1,809 | Hays Companies |
| Everus Construction Group, Inc. | $0 | — | 1,373 | — |
| ND Banks Benefit Trust | $0 | — | 1,351 | — |
| North Dakota Hospital Association | $0 | — | 649 | — |
| Cheryl Froelich | $0 | $61,909 | 571 | Marsh McLennan Agency |
| KLJ Solutions Holding Co | $0 | $229,361 | 525 | Lockton |
| Northwest Tire Inc. | $0 | $99,584 | 290 | USI Insurance Services |
| Starion Bank | $0 | $29,584 | 242 | Lockton |
| Rainbow Energy Center, LLC | $0 | $53,740 | 201 | Azurance Group |
| Pride, Inc. | $0 | $66,220 | 152 | USI Insurance Services |
| Enable Inc. | $0 | $24,270 | 125 | CBIZ |
| Miller Holdings, Inc | $0 | $51,786 | 112 | Stroh & Associates |
| Dakota Community Bank & Trust | $0 | — | 105 | — |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Bismarck employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $258,945 | 2 |
| USI Insurance Services | $152,433 | 2 |
| Hays Companies | $89,227 | 1 |
| Gallagher | $63,742 | 1 |
| Azurance Group | $54,632 | 2 |
| Stroh & Associates | $51,760 | 1 |
| The KNW Group LLC | $31,195 | 1 |
| Marsh McLennan Agency | $27,785 | 1 |
| Vaaler Insurance | $25,216 | 1 |
| CBIZ | $24,270 | 1 |
Largest medical carriers
Medical premium written for these employers.
Bismarck against North Dakota and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Bismarck | North Dakota | United States | |
|---|---|---|---|
| Employer plans | 21 | 173 | 58,547 |
| Median commission rate | n/a | 1.9% | 3.8% |
| Middle half of rates | n/a | 1.9% – 1.9% | 2.7% – 5.0% |
| Median broker pay per employer | $52,763 | $46,125 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 2 | 933 |
Year over year. In plan year 2023, 21 Bismarck employers reported $11M in premiums and $1.1M in broker pay for 19,896 participants; in 2024 it was $8.9M and $882,022 for 19,550 participants (premiums −17.4%, broker pay −18.3%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Bismarck employers pay health insurance brokers?
21 Bismarck employers reported $882,022 in broker commissions and fees on their 2024 Form 5500 filings, 14 of them disclosing at least some compensation. Too few fully insured medical plans in Bismarck reported premium to compute a stable commission rate; the North Dakota median is 1.9% and the U.S. median is 3.8%. In dollars, the median Bismarck employer that disclosed broker pay reported $52,763.
Which Bismarck employers have the largest health plans?
By insurance premium reported for 2024, Cuad Health Benefits Trust ($8.5M), United Energy Corporation ($163,174), North American Holdings, Inc. ($112,104) lead. 21 Bismarck employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Bismarck?
By compensation reported by Bismarck employers, the largest brokers are Lockton ($258,945, 2 plans), USI Insurance Services ($152,433, 2 plans), Hays Companies ($89,227, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of North Dakota, Dean Health Plan Inc, Sanford Health Plan.
Are Bismarck employer health plans self-funded or fully insured?
Of 21 Bismarck employer plans, 7 are fully insured, 6 are self-funded and 8 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in North Dakota
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