National Carwash Solutions
Updated Filing received by DOL
National Carwash Solutions, a manufacturing — metal, equipment, transportation employer in Grimes, Iowa, reported 1,473 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 12 insurance contracts with no premium reported and $76,159 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 12, 2026, before the deadline.
Who was paid on National Carwash Solutions's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract National Carwash Solutions filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Holmes Murphy · Des Moines, IA | $49,321 | $19,484 | $68,805 | 13 |
| Avant Specialty Benefits · Waukee, IA | $0 | $7,354 | $7,354 | 3 |
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 |
|---|---|---|---|---|
| Wellmark Health Plan of Iowahealth, HMO | 42 | — | — | — |
| Fidelity Security Lifevision | 879 | — | — | — |
| Lincoln National Life Insurance Companylife | 1,443 | — | $6,832 | — |
| Lincoln National Life Insurance Companylong-term disability | 1,200 | — | $5,202 | — |
| Lincoln National Life Insurance Companyshort-term disability | 1,215 | — | $7,450 | — |
| Life Insurance Company of North Americalife | 1,465 | — | $877 | — |
| Life Insurance Company of North Americacoverage not coded | 1,465 | — | $146 | — |
| Life Insurance Company of North Americashort-term disability | 1,140 | — | $1,380 | — |
| Life Insurance Company of North Americalong-term disability | 1,109 | — | $1,092 | — |
| Life Insurance Company of North Americacoverage not coded | 327 | — | $17,348 | — |
| Life Insurance Company of North Americacoverage not coded | 101 | — | $22,858 | — |
| Life Insurance Company of North Americaindemnity | 204 | — | $12,974 | — |
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 National Carwash Solutions 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 | 1,709 | 1,473 | −13.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $106,123 | $76,159 | −28.2% |
| 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 |
|---|---|---|---|---|
| National Carwash Solutions Employee Benefits Plan#505 · insurance, general assets | December 31, 2025 | June 12, 2026 | before deadline | 1,473 |
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 National Carwash Solutions pay in health insurance broker commissions in 2025?
National Carwash Solutions's 2025 Form 5500 reports $76,159 in broker commissions and fees across 12 insurance contracts ($49,321 in commissions, $26,838 in fees), with Holmes Murphy receiving the largest share.
Is National Carwash Solutions'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 Health Plan of Iowa.
How does National Carwash Solutions's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for National Carwash Solutions because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.