Discovery Living, Inc.
Updated Filing received by DOL
Discovery Living, Inc., a healthcare & social assistance employer in Cedar Rapids, Iowa, reported 194 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 5 insurance contracts with no premium reported and $12,661 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 24, 2026, before the deadline.
Who was paid on Discovery Living, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Discovery Living, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Acumen Advisors, Inc. · Cedar Rapids, IA | $5,936 | $1,134 | $7,070 | 2 |
| Gallagher · Itasca, IL | $2,757 | $75 | $2,832 | 2 |
| Jerri J. Gregory · Des Moines, IA | $1,154 | $153 | $1,307 | 1 |
| Maureen Navara · Tiffin, IA | $672 | $23 | $695 | 1 |
| Amanda Jeanne Kane · Runnells, IA | $221 | $0 | $221 | 1 |
| D. Bramow Agency, LLC · Cedar Rapids, IA | $114 | $4 | $118 | 1 |
| Riggs Insurance & Various Agents · Cedar Rapids, IA | $115 | $0 | $115 | 1 |
| Sara Lang · North Liberty, IA | $100 | $0 | $100 | 1 |
| Cory D. Nelson · North Liberty, IA | $78 | $0 | $78 | 1 |
| Nancy Kintzle · Delhi, IA | $56 | $0 | $56 | 1 |
| Holly A. Brink · New Hartford, IA | $41 | $4 | $45 | 1 |
| Joseph Michael Evans · Clive, IA | $25 | $0 | $25 | 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 |
|---|---|---|---|---|
| Veratrus Benefit Solutionsvision | 163 | — | $2,090 | — |
| Wellmark Blue Cross Blue Shieldhealth, prescription drug, HMO | 150 | — | — | — |
| Aflacshort-term disability | 11 | — | $1,207 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 26 | — | $2,481 | — |
| Reliance Standard Life Insurance Companylife, long-term disability | 179 | — | $6,883 | — |
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 Discovery Living, Inc. 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 | 189 | 194 | +2.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $15,438 | $12,661 | −18.0% |
| 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 |
|---|---|---|---|---|
| Discovery Living, Inc. Health & Dental Plan#502 · insurance, general assets | December 31, 2025 | June 24, 2026 | before deadline | 194 |
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 Discovery Living, Inc. pay in health insurance broker commissions in 2025?
Discovery Living, Inc.'s 2025 Form 5500 reports $12,661 in broker commissions and fees across 5 insurance contracts ($11,268 in commissions, $1,393 in fees), with Acumen Advisors, Inc. receiving the largest share.
Is Discovery Living, Inc.'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 Wellmark Blue Cross Blue Shield.
How does Discovery Living, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Discovery Living, Inc. 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.