Skilled nursing and residential care facilities in North Dakota
PlanOptica tracks 15 health and welfare plans sponsored by 12 skilled nursing and residential care facilities in North Dakota, covering 4,637 participants and $25M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 116 participants, and the most common size is 100 to 249 participants (53% of plans). The funding mix is split: 33% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of North Dakota dominates premium with a 81% share, followed by Sanford Health Plan at 9%. Marsh & McLennan Agency LLC is the broker of record on 9 plans, more than any other firm, ahead of Keeler & Associates (3). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $27K a year, about 3.7% of premium. Fargo, Grand Forks and Minot have the most plans.
Funding mix
- Fully insured10 · 67%
- Mixed5 · 33%
Plan size (participants)
- Under 1003 · 20%
- 100 to 2498 · 53%
- 250 to 4993 · 20%
- 500 to 9990 · 0%
- 1,000 or more1 · 7%
Median plan: 116 participants. Median broker comp: 3.7% of premium across 15 brokered plans.
Top carriers, skilled nursing, North Dakota
- 1Blue Cross Blue Shield of North Dakota$20M7 plans · 80.7%
- 2Sanford Health Plan$2.2M2 plans · 8.8%
- 3Standard Insurance Company$644K6 plans · 2.5%
- 4Reliastar Life Insurance Company$544K1 plans · 2.1%
- 5Delta Dental of Minnesota$398K2 plans · 1.6%
- 6Metropolitan Life Insurance Company$252K2 plans · 1.0%
- 7Life Insurance Company of North America$217K1 plans · 0.9%
- 8Unum Life Insurance Company of America$191K2 plans · 0.8%
- 9Vision Service Plan$135K1 plans · 0.5%
- 10United of Omaha Life Insurance Company$102K1 plans · 0.4%
Top brokers, skilled nursing, North Dakota
- 1Marsh & McLennan Agency LLC9 plans$210K comp · 60.0%
- 2Keeler & Associates3 plans$5K comp · 20.0%
- 3Cbiz Benefits and Ins Services Inc2 plans$10K comp · 13.3%
- 4Azurance Group, Dba Noridian Ins2 plans$3K comp · 13.3%
- 5Ap Benefit Advisors LLC1 plans$133K comp · 6.7%
- 6North Risk Partners LLC1 plans$63K comp · 6.7%
- 7Bell Insurance Services1 plans$61K comp · 6.7%
- 8Usi Insurance Services LLC1 plans$53K comp · 6.7%
- 9Stroh and Associates1 plans$24K comp · 6.7%
- 10Acrisure LLC1 plans$18K comp · 6.7%
Largest skilled nursing and residential care facilities in North Dakota
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Edgewood Management Group, LLC Edgewood Management Group Benefit PlanAll plans | Grand Forks | Mixed | 2,298 | $679K | Reliastar Life Insurance Company |
| Valley Senior Living Valley Senior Living Wrap PlanAll plans | Grand Forks | Fully insured | 443 | $5.8M | Blue Cross of California |
| American Lutheran Homes, Inc American Lutheran Homes, Inc. Health and Welfare Benefit PlanAll plans | Fargo | Mixed | 436 | $3.3M | Blue Cross of California |
| Dakota Boys and Girls Ranch Dakota Boys and Girls Ranch Employee Benefit PlanAll plans | Minot | Mixed | 364 | $4.3M | Blue Cross of California |
| Red River Human Services Foundation Red River Human Services Foundation, Inc. Health and Welfare PlanAll plans | Fargo | Fully insured | 211 | $2.7M | Blue Cross of California |
| Development Homes, Inc Development Homes Inc Cafeteria PlanAll plans | Grand Forks | Mixed | 206 | $1.1M | Blue Cross of California |
| Pride, Inc Flexible Benefits PlanAll plans | Bismarck | Mixed | 130 | $1.8M | Sanford Health Plan |
| Northwood Deaconess Health Center Northwood Deaconess Health Center Life PlanAll plans | Northwood | Fully insured | 116 | $155K | Standard Insurance Company |
| St. Luke's Home, Inc St. Lukes Home, Inc. Life Benefit PlanAll plans | Dickinson | Fully insured | 114 | $102K | United of Omaha Life Insurance Company |
| Bethel Lutheran Nursing & Rehabilitation Center Bethel Lutheran Nursing & Rehabilitation Center Life PlanAll plans | Williston | Fully insured | 109 | $17K | Standard Insurance Company |
| Mountrail Bethel Home, Inc Mountrail Bethel Home, Inc Health and Welfare Benefit PlanAll plans | Stanley | Fully insured | 106 | $1.3M | Blue Cross of California |
| The View Inc The View Inc Benefit PlanAll plans | Minot | Fully insured | 104 | $598K | Sanford Health Plan |
Showing 12 of 12 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in North Dakota
Frequently asked questions
How many skilled nursing and residential care facilities in North Dakota offer an ERISA health plan?
15 health and welfare plans from 12 skilled nursing and residential care facilities in North Dakota appear in plan year 2024 to 2025 filings on Form 5500, covering 4,637 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in North Dakota?
By Schedule A premium: Blue Cross Blue Shield of North Dakota (81% of premium, 7 plans), Sanford Health Plan (9% of premium, 2 plans) and Standard Insurance Company (3% of premium, 6 plans).
Which benefits brokers work with skilled nursing and residential care facilities in North Dakota?
By number of client plans: Marsh & McLennan Agency LLC (9 plans), Keeler & Associates (3 plans) and Cbiz Benefits and Ins Services Inc (2 plans). 100% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in North Dakota?
The median brokered plan reports $27K a year in broker commissions and fees, or 3.7% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in North Dakota self-funded or fully insured?
Fully insured 67% and mixed 33%. Self-funded and mixed plans together make up 33%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in North Dakota
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Skilled nursing in nearby states
Other healthcare specialties in North Dakota
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in North Dakota.