Form 5500 · Employee benefit plan · GRAND FORKS, ND
ALTRU HEALTH SYSTEM
ALTRU HEALTH SYSTEM of GRAND FORKS, ND insures vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-0310462 · plan 508 · as of Aug 2026
Plan brief
Schedule A lists 6 insured contracts covering vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 2,519 people.
Reported premium across the insured contracts is $3,207,145, with $17,854 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing — THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, CONTINENTAL AMERICAN INSURANCE COMPANY, EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO and VITAL WORK LIFE — with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 2,519 | December | $1,185,044 | $12,518 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 2,519 | December | $669,188 | $3,668 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 2,519 | December | $618,311 | $1,668 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | Vision | 2,688 | December | $165,407 | $0 |
| VITAL WORK LIFE | — | 3,114 | December | $120,156 | $0 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 1,108 | December | $449,039 | $0 |
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