Children & Families of Iowa
Updated Filing received by DOL
Children & Families of Iowa, a healthcare & social assistance employer in Des Moines, Iowa, reported 173 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 6 insurance contracts with no premium reported and $15,440 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 9, 2026, within the extension window.
Who was paid on Children & Families of Iowa's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Children & Families of Iowa filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Truenorth Companies, L.C. · Cedar Rapids, IA | $12,450 | $222 | $12,672 | 5 |
| Watchtower Benefits, LLC · Chicago, IL | $0 | $1,394 | $1,394 | 2 |
| Richard J Ginther · Des Moines, IA | $1,010 | $0 | $1,010 | 1 |
| Jerri J Gregory · Des Moines, IA | $237 | $2 | $239 | 1 |
| Amanda Jeanne Kane · Runnells, IA | $180 | $0 | $180 | 1 |
| Threeflow · Chicago, IL | $144 | $0 | $144 | 1 |
| North Risk Partners LLC · Grinnell, IA | $94 | $0 | $94 | 2 |
| Joseph Michael Evans · Clive, IA | $13 | $0 | $13 | 1 |
| Rita a Foubert · Bondurant, IA | $1 | $0 | $1 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Wellmark Health Plan of Iowahealth, HMO | 97 | — | — | — |
| Delta Dental of Iowadental | 97 | — | $3,649 | — |
| Fidelity Security Life Insurance Companyvision | 140 | — | $1,299 | — |
| Hartford Life and Accidentlife, long-term disability | 264 | — | $5,498 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 50 | — | $2,396 | — |
| Colonial Life & Accident Insurance Companyhealth | 17 | — | $2,598 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Children & Families of Iowa compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 193 | 173 | −10.4% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $17,410 | $15,440 | −11.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Children & Families of Iowa Flex 125 Cafeteria Plan#501 · insurance, general assets | June 30, 2025 | February 9, 2026 | within extension | 173 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Children & Families of Iowa pay in health insurance broker commissions in 2024?
Children & Families of Iowa's 2024 Form 5500 reports $15,440 in broker commissions and fees across 6 insurance contracts ($13,822 in commissions, $1,618 in fees), with Truenorth Companies, L.C. receiving the largest share.
Is Children & Families of Iowa's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Wellmark Health Plan of Iowa, Colonial Life & Accident Insurance Company.
How does Children & Families of Iowa's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Children & Families of Iowa because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.