RDG Planning & Design, Inc.
Updated Filing received by DOL
RDG Planning & Design, Inc., a professional & technical services employer in Des Moines, Iowa, reported 381 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $757,522 in insurance premiums across 7 contracts and $20,390 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Tokio Marine). The Department of Labor received the filing on August 31, 2026, within the extension window.
Who was paid on RDG Planning & Design, 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 RDG Planning & Design, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Holmes Murphy · Waukee, IA | $15,910 | $0 | $15,910 | 4 |
| Homes Murphy & Associates · Des Moines, IA | $4,259 | $0 | $4,259 | 1 |
| C2 Centric LLC · Grand Rapids, MI | $221 | $0 | $221 | 2 |
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 |
|---|---|---|---|---|
| Tokio Marinestop-loss | 380 | $516,769 | — | — |
| Delta Dental of Iowadental | 147 | $70,348 | $7,035 | 10.0% |
| Standard Insurance Companylife | 217 | $55,855 | $4,384 | 7.8% |
| Swiss Re-Swiss Recoverage not coded | 380 | $40,664 | — | — |
| Standard Insurance Companylong-term disability | 217 | $39,468 | $4,935 | 12.5% |
| Veratrus Benefit Solutionsvision | 128 | $22,540 | $2,254 | 10.0% |
| Veratrus Benefit Solutionscoverage not coded | 39 | $11,878 | $1,782 | 15.0% |
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 RDG Planning & Design, 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 | 357 | 381 | +6.7% |
| Premiums filed | $87,776 | $757,522 | +763.0% |
| Broker commissions + fees | $17,473 | $20,390 | +16.7% |
| 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 |
|---|---|---|---|---|
| RDG Planning & Design Health Plan#502 · insurance | December 31, 2025 | August 31, 2026 | within extension | 381 |
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 RDG Planning & Design, Inc. pay in health insurance broker commissions in 2025?
RDG Planning & Design, Inc.'s 2025 Form 5500 reports $20,390 in broker commissions and fees across 7 insurance contracts ($20,390 in commissions, $0 in fees), with Holmes Murphy receiving the largest share.
Is RDG Planning & Design, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Tokio Marine).
How does RDG Planning & Design, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for RDG Planning & Design, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.