Stroh and Associates

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Bismarck, ND
Stroh and Associates

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Independent brokerage firm specializing in employer offered benefits - Group Health, Dental, Vision, Life and Disability.

We offer customized employee benefit solutions along with individual insurance products with your needs in mind. Our multi-carrier portfolio creates a unique experience for our clients. Our mission is simple - listen to the needs of the client, provide the most innovative and cost effective product solution and to continue a long standing customer centric relationship. We're confident that our experience, knowledge and expertise will help guide you through making the right choices for you and your organization.

10/26/2026

New enrollment data shows more Americans turning to employer-sponsored coverage in 2026 as fewer rely on individual marketplace plans. For employers, that means the health plan you offer is carrying more weight than ever in recruiting and retention.

Open enrollment is the perfect moment to make that value visible. A few ideas: explain what the plan covers in everyday language, highlight preventive care that’s included, and remind employees about benefits they may be underusing, like telehealth or wellness perks.

Some of your team may be navigating employer coverage for the first time this year. A little extra communication can turn a confusing form into a benefit people truly appreciate.

Want help building a simple open enrollment communication plan? We do employee education at no extra cost and become an extension of your HR team.

Ready to see how we can help?

https://www.strohandassociates.com/contact

10/23/2026

Nearly 70% of small business owners say they wish they had outside help managing employee benefits, according to a new U.S. Chamber of Commerce and Justworks survey.

Here’s the part we love: despite rising costs, small businesses are expanding what they offer. More owners reported offering health coverage, dental and vision, and retirement plans than a year ago. Small employers keep showing up for their teams.

You don’t have to be a benefits expert to offer great benefits. That’s our job. From plan selection to renewal strategy to employee questions, a local advisor can take the heavy lifting off your plate.

If benefits administration has been living on your “someday” list, let’s talk.

10/20/2026

The North Dakota Insurance Department has posted approved 2027 rate changes for individual and small group health plans. If your business renews in 2027, this is your early look at what’s ahead.

Our take: rate news is never anyone’s favorite, but an early look is important. It gives employers time to review plan designs, compare carriers, and have unhurried conversations well before renewal deadlines.

A few smart moves between now and renewal: revisit your plan lineup, ask how your contribution strategy affects your team, and get your census and claims information organized early.

Questions about what the 2027 filings could mean for your group plan? Reach out to Stroh & Associates. We’re happy to walk through it in plain English.

09/22/2026

Retention is a benefits conversation more often than employers expect. Exit interviews rarely name the deductible, but the cost of coverage, the network, and how hard the plan is to actually use show up in the decision anyway.

SHRM's 2025 Employee Benefits Survey found that 88 percent of employers rate health-related benefits as extremely or very important, and that ranking has held steady for years for a reason. If your renewal conversation is only about rates, it is only half a conversation.

We would like to help you with the other half: www.strohandassociates.com
701.751.0141

09/15/2026

Imagine the legislature changes a law that affects your business, and an alert lands in your inbox telling you exactly how to stay compliant.

Imagine a complex HR question answered by an experienced professional at the click of a button.

Imagine onboarding, enrollment, ACA reporting, and time off tracking living in one place instead of across five spreadsheets and three inboxes.

That is the technology and HR support our clients receive, included in the partnership at no additional cost.

See what is included: www.strohandassociates.com

09/14/2026

More than 500,000 U.S. workers are now offered "cash for coverage" benefits like ICHRAs and QSEHRAs, arrangements where the employer funds an allowance and employees pick their own plan, according to new HRA Council data.

Is that the right fit for a North Dakota employer? Sometimes yes, sometimes no. These tools can offer budget predictability and flexibility, but traditional group coverage still wins for many teams on network access and simplicity. The right answer depends on your workforce, your budget, and the local market.

If you've been hearing about ICHRAs and wondering whether they're worth a look, we can walk you through the trade-offs. Reach out to Stroh & Associates.

701.751.0141
www.strohandassociates.com

09/07/2026

Labor Day is the one holiday named for the work itself. It is a good moment to think about the people behind every business: the ones who show up early, stay late, solve the problem nobody else wanted, and keep things moving whether or not anyone is watching.

Stroh & Associates spends its days on the benefits that stand behind those people, because a health plan is not paperwork to the family actually using it.

To every employer working to keep a good team together, and to every employee who makes the work happen, thank you. Enjoy the long weekend.

www.strohandassociates.com

09/04/2026

There is one moment that tells you everything about your benefits partner, and it is the moment something goes wrong. If that moment means a hold queue, a case number, and explaining your plan to someone who has never seen it, you are not being supported. You are being processed.

Stroh & Associates clients call a local advisor who already knows their plan, their business, and their people. No call centers. No guesswork. That is the entire idea, and it is why employers stay with us.

Ready to see what that feels like?
Learn more: www.strohandassociates.com
701.751.0141

09/03/2026

Every open position carries a price tag that never shows up on a budget line. Gallup estimates that replacing an employee costs between one-half and two times that person's annual salary, and Gallup calls that a conservative estimate. Recruiting, onboarding, ramp-up time, and the strain on the team who stayed all add up long before the new hire is productive.

A benefits package your employees understand and actually value is one of the least expensive retention tools available to an employer. We help North Dakota businesses build plans people want to stay for.

See how we work with employers: www.strohandassociates.com
701.751.0141

09/01/2026

As your workforce grows, HR challenges grow with it. Stroh & Associates provides practical HR support that helps employers navigate employee questions, policy and handbook needs, and day-to-day best practices, without adding internal headcount. It is one more way we support our clients beyond the insurance plan itself.
Explore HR support: www.strohandassociates.com/services/human-resources-support

Address

3230 Rock Island Place, Suite 2
Bismarck, ND
58504

Telephone

+17017510141

Website

http://www.strohandassociates.com/

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