North Dakota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
173 North Dakota employers filed health plans with 100 or more participants for plan year 2024, covering 150,395 participants. They reported $314M in insurance premiums and $12M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 1.9% of premium, 1.9 points below the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in North Dakota
Every North Dakota city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
| City | Employer plans | Premiums |
|---|---|---|
| Fargo | 63 | $295M |
| Bismarck | 21 | $8.9M |
| Grand Forks | 21 | $1.2M |
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Dacotah Paper Company | Fargo | 1.9% | $19,420 |
| Sanford | Fargo | 0.0% | $0 |
| Interstate Engineering, Inc. | Jamestown | 0.0% | $0 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do North Dakota employers pay health insurance brokers?
Across 1 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for North Dakota employers was 1.9% of premium (middle half 1.9% to 1.9%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $46,125.
Which North Dakota employers paid the most in broker commissions?
R.D. Offutt Company reported the most in 2024, $973,550, followed by Blue Cross Blue Shield of North Dakota ($639,706) and Magnum, LTD ($578,627).
Which brokers and carriers dominate North Dakota?
By reported compensation, the largest brokers are Marsh McLennan Agency, HUB International, Freestone Financial, LLC. By medical premium, the largest carriers are Sanford Health Plan, Blue Cross Blue Shield of North Dakota, Aflac.
Which North Dakota cities have the most employer health plans?
Fargo (63 employer plans, $295M in premiums); Bismarck (21 employer plans, $8.9M in premiums); Grand Forks (21 employer plans, $1.2M in premiums). 3 North Dakota cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
Is your company on this page? Get its Form 5500 read next to the North Dakota medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.