Form 5500 · Employee benefit plan · FARGO, ND
SANFORD
The filing calls this plan SANFORD HEALTH AND WELFARE BENEFITS PLAN.
SANFORD of FARGO, ND is a 43,793-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 VISION SERVICE PLAN and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-1218956 · plan 517 · plan year 2025, filed Jul 22, 2026
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259 other employer plans in North Dakota have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, 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.
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 9 insured contracts covering health, vision, life and disability; the largest, with VISION SERVICE PLAN, covers 20,885 people.
The filing declares health, vision, life, disability and dental. Dental appears 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 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $14,299,069, with $1,583,992 in disclosed broker commissions — about 11% 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 2 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Health, Disability | 9,685 | Jan 1, 2026 | $4,409,315 | $1,119,663 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 6,076 | Jan 1, 2026 | $1,982,061 | $228,500 |
| PRE-PAID LEGAL SERVICES INC DBA IDSHIELD | — | 4,240 | Jan 1, 2026 | $453,352 | $154,140 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 2,760 | Jan 1, 2026 | $506,395 | $81,068 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 45 | Jan 1, 2026 | $22,074 | $621 |
| VISION SERVICE PLAN | Vision | 20,885 | Jan 1, 2026 | $5,509,321 | $0 |
| HMSA | Health | 102 | Jan 1, 2026 | $974,408 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 43 | Jan 1, 2026 | $363,279 | $0 |
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | 43,741 | Jan 1, 2026 | $78,864 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30061286. For the contract year on this filing, the carrier reported $5,509,321 in premium earned and $4,810,215 in claims incurred. Dividing one by the other gives 87%.
- VISION SERVICE PLAN, contract 30061286 reported $633,572 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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