701.235.7023 jmiddaugh@cfsbd.com

About Us

An industry leader since 1982, Middaugh Benefits Consulting is a privately owned, full service insurance brokerage firm. We specialize in employer-provided, self-funded and voluntary benefits for companies of all sizes across a broad array of industries. We also have the expertise to design and implement group insurance for association groups. Affiliated with more than 50 of the largest national insurance companies, our in-depth industry knowledge allows us to offer you creative and flexible solutions with quality and price-sensitive insurance products and benefit plans.

Meet Our Team

Dave Middaugh, CLU, AEP

Dave Middaugh, CLU, AEP

Registered Representative

DMiddaugh@cfsbd.com

Check the background of this investment professional on FINRA’s BrokerCheck.

Dave Middaugh is a native of Bismarck, ND. Dave entered the insurance business in 1970 where he progressed from agent to manager and then as an agent trainer. In 1980, Dave founded Middaugh and Associates, Inc., specializing in corporate insurance planning and employee benefits.

Dave earned his Chartered Life Underwriter (CLU) designation in 1977 and in 1993 earned credentials as an Accredited Estate Planner (AEP). He has qualified for the Million Dollar Round Table every year since 1976 and went on to qualify for the Top of the Table honors in 1997, 2000 and 2005, being recognized as one of the top 600 agents worldwide.

Dave has been active in his professional association, having served as President for the Fargo-Moorhead’s chapter of the National Association of Insurance and Financial Advisors (NAIFA). He also served the ND State NAIFA for many years, was state president in 1981 and was selected as the Man of the Year. In 1993, Dave was selected as state chair for the NAIFA political action committee (NAIFAPAC); in 1997 he became one of six regional chairs. In 1999, he became the National Vice Chair of NAIFAPAC, one of the largest political action committees in America. He took over as National Chair in 2001 and served until 2002.  In 2009, Dave was appointed National Chair of the NAIFA Political Involvement Committee, serving until 2010.

Dave and his wife, Sue, have been married since 1970 and have lived in Fargo since then. They have two children: Kari, an attorney who lives in Oslo, Norway with her husband, and Jason, who, along with his wife, Ericka, joined Middaugh Benefits Consulting in May 1998. When Dave isn’t working or attending meetings for his organizations, he enjoys golf.

Jason Middaugh

Jason Middaugh

Registered Representative

jmiddaugh@cfsbd.com

Check the background of this investment professional on FINRA’s BrokerCheck.

Jason Middaugh is a native of Fargo, North Dakota. He graduated from the University of North Dakota with a degree in Accounting. Jason entered the insurance business in 1998 with Middaugh & Associates, Inc.Middaugh & Associates, Inc. specializes in employee benefits and corporate and individual financial planning.

Jason has been an active member of Fargo-Moorhead National Association of Insurance and Financial Advisors (NAIFA) and has held different positions on the board of directors, including membership chair, secretary, vice president, president and membership involvement chair. In 2008, Jason was named advisor of the year for both his local NAIFA and state NAIFA chapters.

Jason and his wife, Ericka, have three children. Jason serves on the board of directors for the Spartan Youth Basketball Association and enjoys coaching his kids’ basketball teams.

Dave Olson

Dave Olson

Benefits Consultant

DavidO@cfsbd.com

Dave has more than 30 years’ experience in the Insurance Industry, including more than 20 years as a member of the National Association of Insurance and Financial Advisors (NAIFA). Dave is an expert in Group and Individual LTCI, Group Health Benefits and employee benefit meetings.

David enjoys volunteering with numerous community organizations, spending time with family and golfing.

Kristin Kane

Kristin Kane

Administrative Assistant

Kristin is the cheerful voice you’ll hear when you call Middaugh Benefits Consulting.  She has been greeting clients, managing the front office and keeping everyone organized for more than 10 years. She earned her administrative assistant degree from Aakers.

Kristin lives with her husband and two kids. She enjoys trying new recipes, gardening in the summer, and spending time with family and friends.

Lenora Pella

Lenora Pella

Agent / Sales Assistant

LPella@cfsbd.com

Lenora is a detail expert. She helps manage all the individual components of our clients’ group plans to create an organized benefit package. She specializes in making sure all legal and compliance regulations are met. In addition to her expertise in insurance, she also has a great deal of experience in the financial industry. As a small-business owner herself, Lenora understands the concerns of our small business clientele.

Karen Hanson

Karen Hanson

Benefits Consultant

KHanson@cfsbd.com

Karen has been in the insurance business for more than 25 years. She earned her bachelor’s of science degree in management at Minnesota State University Moorhead and uses those skills to facilitate plan comparisons, effectively conduct employee benefit meetings and manage enrollment.

She and her husband, Eric, have two sons and live in West Fargo. In her spare time, Karen loves to read, garden and cheer on the Minnesota Vikings and Wild.

Ericka Middaugh

Ericka Middaugh

Office Manager, Bookkeeper

ESMiddaugh@cfsbd.com

Ericka has been keeping the office organized for about four years. You’ll find her tucked upstairs in her cute attic office during the morning hours. In the afternoon, she’s in charge of the “other Middaugh headquarters” making sure her and Jason’s three children get to all their school events and activities.  When she’s not keeping everyone on track, she enjoys golf and traveling with the family.

Sarah George

Human Resources Support Specialist

sgeorge@cfsbd.com

Sarah received her degree in Business Management with a minor in Human Resources from Minnesota State University Moorhead. She has certificates in Business Analytics and Customer Relationship Management. Sarah grew up in Battle Lake, MN and currently lives in Fargo, ND. Sarah enjoys getting to research and analyze data and assist in project implementation. She is devoted to paying attention to the finer details of things ensuring accuracy the first time and is not afraid of tackling challenging tasks. Prior to joining the team with Middaugh Benefits Consulting as a Human Resources Support Specialist, Sarah served as an HR Coordinator with Noridian Healthcare Solutions. Sarah has a diverse background in HR and consulting including areas such as: Talent & Recruiting, Onboarding & Training, Compensation, Employee Relations, Employment Law, HR Information Systems, Immigration, Benefits, Ergonomics, and Wellness. Sarah is a good resource to contact for any and all HR related questions and concerns.

Sarah is very family oriented and enjoys activities outdoors such as camping, hiking, running, and gardening. She is a big Sci-Fi and Superhero fan (Star Wars and DC Comics being favorites). Sarah also hopes to one day be a contestant on the reality TV show Survivor and cross that off her bucket list.

We're Ready to Help

We can help you choose a package for your business.