Form 5500 · Employee benefit plan · BISMARCK, ND
CUAD HEALTH BENEFITS TRUST
The filing calls this plan CUAD HEALTH BENEFITS PLAN.
CUAD HEALTH BENEFITS TRUST of BISMARCK, ND files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Coverage is written through WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-3520467 · plan 501 · plan year 2025, filed Jun 11, 2026
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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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 declares health, dental and vision. Health, dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium is $9,518,922; 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.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | — | 715 | Jan 1, 2026 | $9,518,922 | $0 |
Premium and claims on this contract
WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, contract B70. For the contract year on this filing, the carrier reported $9,518,922 in premium earned and $6,711,734 in claims incurred. Dividing one by the other gives 71%.
- WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA, contract B70 reported $2,807,189 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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