Cottage Grove Place
Updated Filing received by DOL
Cottage Grove Place, a healthcare & social assistance employer in Cedar Rapids, Iowa, reported 131 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $56,570 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 10, 2026, before the deadline.
Who was paid on Cottage Grove Place's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cottage Grove Place filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kristopher Hopkins North Risk Partn · Saint Cloud, MN | $0 | $30,960 | $30,960 | 1 |
| North Risk Partners LLC · Rochester, MN | $13,231 | $2,053 | $15,284 | 7 |
| Emerson Rogers LLC · Blue Bell, PA | $4,182 | $0 | $4,182 | 4 |
| Colton Storla North Risk Partners · Plymouth, MN | $0 | $3,060 | $3,060 | 1 |
| Ware Group General Agencies | $1,349 | $0 | $1,349 | 1 |
| Matthew Steven Rednour | $931 | $0 | $931 | 1 |
| Bradden John Probst | $721 | $0 | $721 | 1 |
| Michael Peters & Associates Inc | $83 | $0 | $83 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Reliance Standard Life Insurance Companyshort-term disability | 141 | — | $6,065 | — |
| Delta Dental of Iowadental | 89 | — | $2,513 | — |
| Reliance Standard Life Insurance Companylife | 140 | — | $789 | — |
| Reliance Standard Life Insurance Companylong-term disability | 142 | — | $5,903 | — |
| Reliance Standard Life Insurance Companylife | 44 | — | $1,737 | — |
| Assurity Life Insurance Companyindemnity | 95 | — | $4,441 | — |
| Healthpartners Unitypoint Healthhealth | 133 | — | $34,020 | — |
| Veratrus Benefit Solutionsvision | 73 | — | $1,102 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Cottage Grove Place 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 158 | 131 | −17.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $54,569 | $56,570 | +3.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Cottage Grove Place Employee Benefits Plan#502 · insurance, general assets | December 31, 2025 | May 10, 2026 | before deadline | 131 |
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 Cottage Grove Place pay in health insurance broker commissions in 2025?
Cottage Grove Place's 2025 Form 5500 reports $56,570 in broker commissions and fees across 8 insurance contracts ($20,497 in commissions, $36,073 in fees), with Kristopher Hopkins North Risk Partn receiving the largest share.
Is Cottage Grove Place's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Healthpartners Unitypoint Health.
How does Cottage Grove Place's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cottage Grove Place 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.