Form 5500 · Employee benefit plan · BISMARCK, ND
ASSOCIATED GENERAL CONTRACTORS OF NORTH DAKOTA EMPLOYEE BENEFIT TRUST
ASSOCIATED GENERAL CONTRACTORS OF NORTH DAKOTA EMPLOYEE BENEFIT TRUST of BISMARCK, ND is a 1,264-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is NORTH RISK PARTNERS LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF NORTH DAKOTA and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0153871 · plan 501 · plan year 2025, filed Feb 11, 2026
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4 other employer plans in North Dakota have policy years ending in April. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, life and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF NORTH DAKOTA, covers 1,027 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,245,803, with $2,057 in disclosed broker commissions — about 0.2% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
NORTH RISK PARTNERS LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life | 310 | May 1, 2025 | $16,390 | $2,057 |
| BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | Health, Stop-loss | 1,027 | May 1, 2025 | $1,229,413 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 164383. For the contract year on this filing, the carrier reported $16,390 in premium earned and $20,105 in claims incurred. Dividing one by the other gives 123%.
- STANDARD INSURANCE COMPANY, contract 164383 reported $6,788 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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Renewal calendar
4 other employer plans in North Dakota are May 1 renewals (policy year ends April).
Their policy years end in April, like this plan’s, so most renew May 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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