Form 5500 · Employee benefit plan · NORTHWOOD, ND
NORTHWOOD DEACONESS HEALTH CENTER
The filing calls this plan NORTHWOOD DEACONESS HEALTH CENTER LIFE PLAN.
NORTHWOOD DEACONESS HEALTH CENTER of NORTHWOOD, ND files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. 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 45-0226472 · plan 501 · 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.
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 3 insured contracts covering dental, vision and life; the largest, with STANDARD INSURANCE COMPANY, covers 91 people.
Reported premium across the insured contracts is $155,268, with $19,643 in disclosed broker commissions — about 13% 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 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Dental | 91 | Jan 1, 2026 | $105,574 | $8,093 |
| STANDARD INSURANCE COMPANY | Vision | 89 | Jan 1, 2026 | $25,589 | $5,992 |
| STANDARD INSURANCE COMPANY | Life | 116 | Jan 1, 2026 | $24,105 | $5,558 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 170834. For the contract year on this filing, the carrier reported $105,574 in premium earned and $86,622 in claims incurred. Dividing one by the other gives 82%.
STANDARD INSURANCE COMPANY, contract 170834. For the contract year on this filing, the carrier reported $23,800 in premium earned and $9,727 in claims incurred. Dividing one by the other gives 41%.
STANDARD INSURANCE COMPANY, contract 170834. For the contract year on this filing, the carrier reported $24,105 in premium earned and $30 in claims incurred. Dividing one by the other gives 0%.
- STANDARD INSURANCE COMPANY, contract 170834 reported $27,476 in retention.
- STANDARD INSURANCE COMPANY, contract 170834 reported $14,032 in retention.
- STANDARD INSURANCE COMPANY, contract 170834 reported $24,077 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: 170 employees, 2 recordable cases, 0 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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