Grand Forks, North Dakota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Grand Forks, North Dakota filed health plans with 100 or more participants for plan year 2024, covering 11,351 participants. They reported $1.2M in insurance premiums and $1.6M in broker commissions and fees. Against 2023, premiums were up 9.6% and broker pay rose 9.2%.
Funding: 7 fully insured · 5 self-funded · 9 mixed. 14 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Grand Forks
Grand Forks employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Valley Senior Living | $320,998 | $152,510 | 453 | North Risk Partners LLC |
| Strata Corporation | $219,804 | $131,366 | 701 | Brown & Brown |
| S & S Transport, Inc. | $210,334 | $49,940 | 192 | Kunkel & Associates |
| S & S Transport, Inc. | $210,334 | $49,940 | 192 | Kunkel & Associates |
| Brady Martz & Associates, PC | $180,949 | $44,071 | 339 | USI Insurance Services |
| Engineers Architects PC | $47,469 | $149,038 | 150 | Azurance Group Inc |
| Edgewood Management Group, LLC | $0 | $140,050 | 2,690 | — |
| Altru Health System | $0 | $402,401 | 2,632 | Lockton |
| Alerus Financial | $0 | $16,906 | 605 | Brown & Brown |
| Acme Electric Cafeteria Plan | $0 | $199,717 | 564 | Streamline Ent LLC dba Canopy Natio |
| LM Wind Power Blades USA Inc. | $0 | — | 515 | — |
| Minnkota Power Cooperative, Inc | $0 | — | 399 | Vaaler Insurance Inc. |
| Choice Financial Group | $0 | $39,855 | 392 | Choice Insurance Services LLC |
| Bemobile, Inc. | $0 | $76,195 | 353 | USI Insurance Services |
| Rydell Auto Center Inc | $0 | $90,107 | 294 | Farmers Union Service Association |
| University of North Dakota School of Medicine & Health Sciences | $0 | — | 179 | — |
| Development Homes, Inc. | $0 | $16,747 | 177 | Patricia Hajostek |
| Opp Construction LLC | $0 | $16,720 | 149 | Azurance Group Inc |
| Black Gold Potato Sales Inc | $0 | $21,999 | 142 | North Risk Partners LLC |
| Home of Economy | $0 | $18,886 | 123 | USI Insurance Services |
| Und Aerospace Foundation | $0 | — | 110 | — |
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 Grand Forks employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $272,693 | 1 |
| Streamline Ent LLC dba Canopy Natio | $199,717 | 1 |
| North Risk Partners LLC | $150,323 | 2 |
| USI Insurance Services | $133,313 | 3 |
| Marsh McLennan Agency | $131,750 | 2 |
| Brown & Brown | $100,282 | 2 |
| Kunkel & Associates | $99,880 | 2 |
| Farmers Union Services Association | $65,964 | 1 |
| Choice Benefits Solutions LLC | $39,855 | 1 |
| National Enrollment Partners LLC | $29,962 | 2 |
Largest medical carriers
Medical premium written for these employers.
Grand Forks 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.
| Grand Forks | 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 | $49,940 | $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 Grand Forks employers reported $1.1M in premiums and $1.5M in broker pay for 10,397 participants; in 2024 it was $1.2M and $1.6M for 11,351 participants (premiums +9.6%, broker pay +9.2%).
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 Grand Forks employers pay health insurance brokers?
21 Grand Forks employers reported $1,616,448 in broker commissions and fees on their 2024 Form 5500 filings, 17 of them disclosing at least some compensation. Too few fully insured medical plans in Grand Forks 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 Grand Forks employer that disclosed broker pay reported $49,940.
Which Grand Forks employers have the largest health plans?
By insurance premium reported for 2024, Valley Senior Living ($320,998), Strata Corporation ($219,804), S & S Transport, Inc. ($210,334) lead. 21 Grand Forks employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Grand Forks?
By compensation reported by Grand Forks employers, the largest brokers are Lockton ($272,693, 1 plans), Streamline Ent LLC dba Canopy Natio ($199,717, 1 plans), North Risk Partners LLC ($150,323, 2 plans). By medical premium, the largest carriers are Companion Life Insurance Company, Blue Cross Blue Shield of North Dakota, Metropolitan Life Insurance Company.
Are Grand Forks employer health plans self-funded or fully insured?
Of 21 Grand Forks employer plans, 7 are fully insured, 5 are self-funded and 9 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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