Dupaco Community Credit Union
Updated Filing received by DOL
Dupaco Community Credit Union, a finance & insurance employer in Dubuque, Iowa, reported 667 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 12 insurance contracts with no premium reported and $156,556 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Garden State Life Insurance Company). The Department of Labor received the filing on October 14, 2025, within the extension window.
Who was paid on Dupaco Community Credit Union's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Dupaco Community Credit Union filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Douglas W Hoefer · Lakeville, MN | $60,166 | $0 | $60,166 | 6 |
| Cottingham and Butler · Dubuque, IA | $36,426 | $0 | $36,426 | 6 |
| Beneusa LLC · Excelsior, MN | $0 | $28,650 | $28,650 | 6 |
| John W Kessler · Rosemount, MN | $25,784 | $0 | $25,784 | 6 |
| Remley Benefits LLC · Davenport, IA | $1,766 | $0 | $1,766 | 2 |
| Dupaco Insurance Services LLC · Dubuque, IA | $1,472 | $0 | $1,472 | 2 |
| Donna Raye Watson · Leander, TX | $602 | $0 | $602 | 2 |
| The Todd Group · Cedar Falls, IA | $484 | $0 | $484 | 2 |
| Cory Nelson · North Liberty, IA | $368 | $0 | $368 | 2 |
| Terrell & Company Inc · Dubuque, IA | $332 | $0 | $332 | 2 |
| Holly a Brink · New Hartford, IA | $148 | $0 | $148 | 2 |
| Bruce R Hutchinson · Manchester, IA | $118 | $0 | $118 | 2 |
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 |
|---|---|---|---|---|
| Continental American Insurance Companycoverage not coded | 4 | — | $2,765 | — |
| Employee & Family Resources, Inc.coverage not coded | 665 | — | — | — |
| Garden State Life Insurance Companystop-loss | 1,038 | — | — | — |
| United of Omaha Life Insurance Companylong-term disability | 610 | — | $14,495 | — |
| United of Omaha Life Insurance Companylife | 610 | — | $12,241 | — |
| United of Omaha Life Insurance Companyshort-term disability | 610 | — | $48,777 | — |
| Continental American Insurance Companycoverage not coded | 4 | — | $2,765 | — |
| Employee & Family Resources, Inc.coverage not coded | 665 | — | — | — |
| Garden State Life Insurance Companystop-loss | 1,038 | — | — | — |
| United of Omaha Life Insurance Companylong-term disability | 610 | — | $14,495 | — |
| United of Omaha Life Insurance Companylife | 610 | — | $12,241 | — |
| United of Omaha Life Insurance Companyshort-term disability | 610 | — | $48,777 | — |
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 Dupaco Community Credit Union 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 | 460 | 667 | +45.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $156,556 | — |
| 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 |
|---|---|---|---|---|
| Dupaco Community Credit Union Health Care Plan#501 · insurance, general assets, trust | December 31, 2024 | October 14, 2025 | within extension | 667 |
| Dupaco Community Credit Union Employee Health Care Plan#508 · amended · insurance, general assets, trust | December 31, 2024 | October 14, 2025 | amended filing; original date not in data | 667 |
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 Dupaco Community Credit Union pay in health insurance broker commissions in 2024?
Dupaco Community Credit Union's 2024 Form 5500 reports $156,556 in broker commissions and fees across 12 insurance contracts ($127,906 in commissions, $28,650 in fees), with Douglas W Hoefer receiving the largest share.
Is Dupaco Community Credit Union's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Garden State Life Insurance Company).
How does Dupaco Community Credit Union's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Dupaco Community Credit Union because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.