Form 5500 · Employee benefit plan · FARGO, ND
BORDER STATES INDUSTRIES INC.
The filing calls this plan BORDER STATES INDUSTRIES INC. GROUP LONG TERM DISABILITY PLAN.
BORDER STATES INDUSTRIES INC. of FARGO, ND is a 3,336-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS. Coverage is written through STANDARD INSURANCE COMPANY. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-0275004 · plan 503 · plan year 2025, filed Jul 27, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
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
The filing discloses a single insured line, disability, through STANDARD INSURANCE COMPANY, covering 3,412 people.
Reported premium is $780,674; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 3,412 | Jan 1, 2026 | $780,674 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 159578. For the contract year on this filing, the carrier reported $780,674 in premium earned and $783,843 in claims incurred. Dividing one by the other gives 100%.
- STANDARD INSURANCE COMPANY, contract 159578 reported $241,651 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,545 employees, 30 recordable cases, 281 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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