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Form 5500 · Employee benefit plan · BISMARCK, ND

MDU RESOURCES GROUP, INC.

The filing calls this plan MDU RESOURCES GROUP, INC. HEALTH AND WELFARE BENEFITS PROGRAM.

Public Form 5500 records show how MDU RESOURCES GROUP, INC. of BISMARCK, ND, a utilities employer, structures its employee benefits. Coverage is written through HARTFORD LIFE AND ACCIDENT. The plan's most recent policy period ended in December.

Benefits broker of record
Not disclosed
Insurance carrier
HARTFORD LIFE AND ACCIDENT
Policy year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 30-1133956 · plan 502 · plan year 2024, filed Oct 15, 2025

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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.

All participants at the start of the year
5,054
Active at start of year
5,036
Active at end of year
3,262
Disclosed commissions
$0
Typical renewal
January 1

Benefits declared on this filing

Healthdeclared, no contract here says it covers this
Dentaldeclared, no contract here says it covers this
Visiondeclared, no contract here says it covers this
Lifeinsured — HARTFORD LIFE AND ACCIDENT3,291 of 5,054 participants (65%)
Disabilityinsured — HARTFORD LIFE AND ACCIDENT1,799 of 5,054 participants (36%)

2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.

Also declared: death benefits, other welfare.

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 4 insured contracts covering life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 3,291 people.

The filing declares life, disability, 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 one of the 2 contracts here that do not say what they cover.

Reported premium is $1,939,667; 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

CarrierBenefitsCoveredRenewsPremiumCommission
HARTFORD LIFE AND ACCIDENTLife3,291Jan 1, 2025$1,488,224$0
HARTFORD LIFE AND ACCIDENTDisability1,799Jan 1, 2025$351,336$0
HARTFORD LIFE AND ACCIDENT—1,763Jan 1, 2025$95,562$0
HARTFORD LIFE AND ACCIDENT—2,032Jan 1, 2025$4,545$0

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.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
MDU RESOURCES GROUP, INC. EMPLOYEE BENEFITS COMMITTEE
EIN 30-1133956
BCBSMN,INC-DBA BLUECROSS BLUESHIELD
Claims processing · Contract administrator · Recordkeeping and information management · EIN 41-0984460
$1,637,493
paid directly by the plan
STRATACOR - DBA DELTA DENTAL
Claims processing · Contract administrator · EIN 41-1852523
$120,271
paid directly by the plan
HEALTH EQUITY, INC. - DBA FURTHER
Recordkeeping and information management · EIN 52-2383166
$63,978
paid directly by the plan
VISION SERVICE PLAN
Claims processing · Contract administrator · EIN 06-1227840
$47,240
paid directly by the plan
DELOITTE & TOUCHE LLC
Accounting and audit · EIN 13-3891517
$55,129
paid directly by the plan

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

Plan assets at year end
$4,266,410
Paid out in benefits
$49,460,173
Paid to insurance carriersSchedule H, line 2e(2)
$1,939,667
Independent accountantEIN 13-3891517
DELOITTE & TOUCHE LLC
Accountant's opinion (Schedule H, line 3a)
Unmodified
Audit fee
$55,129

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.

Other plans filed by this employer

plan 512Insured benefit plan · 7 Schedule A contractsRenews ~Jan 1plan 001Retirement plan · 1 Schedule A contract401(K) Retirement PlanRetirement plan · 1 Schedule A contractEmployee Assistance ProgramForm 5500 filing · no insured Schedule A contractsFlexible Spending Account Plan (Fsa)Form 5500 filing · no insured Schedule A contractsMaster TrustForm 5500 filing · no insured Schedule A contracts

How this plan compares

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