Department of Labor filing

BLUE CROSS BLUE SHIELD OF NORTH DAKOTA

BCBSND AND NORIDIAN HEALTHCARE SOLUTIONS 401(K) PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Sep 30, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

38filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$4,005

Reported employer contributions per active participant.

Higher than about 43% of comparable plans

#People in the filing

3,856

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$102 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 26% of comparable plans

↗Investment performance

Not available

Plan assets changed 14.4%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202438out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions43rd percentileTypical peer $4,523 · based on 160 comparable plans

Lower reported administrative expense26th percentileTypical peer $66 · based on 152 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, BLUE CROSS BLUE SHIELD OF NORTH DAKOTA reported $15,443,036 in employer contributions across the plan and 3,856 active participants. That works out to $4,005 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy81%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 35.5%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 8.6%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context38/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $15,443,036
Participant contributions: $15,306,025
Other contributions: $2,406,790
Employer share of reported contributions: 50.2%
Beginning assets: $437,428,078
Ending assets: $500,265,517
Ending net assets: $500,265,517
Ending liabilities: $0
Total income: $98,256,797
Total expenses: $35,419,358
Administrative expenses: $392,871
Participant loans: $7,488,341

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,956

2023

$4,793

2024

$4,005

Plan-paid administrative expenses per participant

2022

$111

2023

$104

2024

$102

Active participants

2022

2,856

2023

2,963

2024

3,856

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$4,005	3,856	500.3M	20250930125441NAL0005498547001
2023	$4,793	2,963	437.4M	20240930125338NAL0009412288001
2022	$2,956	2,856	360.1M	20231009101451NAL0016695651001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.5%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 450173185-003

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1983
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2G2J2K2S2T

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
CHARLES SCHWAB & CO	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20250930125441NAL0005498547001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗