Form 5500 · Employee benefit plan · FARGO, ND
HOSPICE OF THE RED RIVER VALLEY
The filing calls this plan HOSPICE OF THE RED RIVER VALLEY DENTAL, LIFE AND DISABILITY PLAN.
HOSPICE OF THE RED RIVER VALLEY of FARGO, ND is a 216-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MARSH & MCLENNAN AGENCY LLC. 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 45-0349152 · plan 503 · plan year 2025, filed Jul 16, 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
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 4 insured contracts covering dental, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 218 people.
Reported premium across the insured contracts is $452,193, with $44,990 in disclosed broker commissions — about 9.9% 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 all 4 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 218 | Jan 1, 2026 | $193,961 | $15,961 |
| STANDARD INSURANCE COMPANY | Dental | 162 | Jan 1, 2026 | $139,281 | $12,269 |
| STANDARD INSURANCE COMPANY | Life | 220 | Jan 1, 2026 | $58,828 | $10,704 |
| STANDARD INSURANCE COMPANY | Disability | 218 | Jan 1, 2026 | $60,123 | $6,056 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 760696. For the contract year on this filing, the carrier reported $193,961 in premium earned and $156,885 in claims incurred. Dividing one by the other gives 81%.
STANDARD INSURANCE COMPANY, contract 760696. For the contract year on this filing, the carrier reported $139,281 in premium earned and $118,651 in claims incurred. Dividing one by the other gives 85%.
STANDARD INSURANCE COMPANY, contract 760696. For the contract year on this filing, the carrier reported $58,828 in premium earned and $51,619 in claims incurred. Dividing one by the other gives 88%.
- STANDARD INSURANCE COMPANY, contract 760696 reported $79,411 in retention.
- STANDARD INSURANCE COMPANY, contract 760696 reported $41,115 in retention.
- STANDARD INSURANCE COMPANY, contract 760696 reported $21,347 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.
Other plans filed by this employer
How this plan compares
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