West Liberty Foods LLC
Updated Filing received by DOL
West Liberty Foods LLC, a manufacturing — food & textile employer in West Liberty, Iowa, reported 1,919 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $10M in insurance premiums across 8 contracts and $128,122 in broker commissions and fees, 0.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 19, 2026, before the deadline.
Who was paid on West Liberty Foods LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract West Liberty Foods LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · West Des Moines, IA | $58,637 | $15,601 | $74,238 | 7 |
| Bherd LLC · Des Moines, IA | $28,837 | $1,309 | $30,146 | 6 |
| Keeler and Associates · Plattsmouth, NE | $19,287 | $0 | $19,287 | 2 |
| Supplemental Insurance Professional · Des Moines, IA | $4,451 | $0 | $4,451 | 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 |
|---|---|---|---|---|
| Wellmark Blue Cross and Blue Shield of Iowahealth, prescription drug, stop-loss, PPO | 904 | $10M | — | — |
| Reliance Standard Life Insurance Companylong-term disability | 177 | — | $5,854 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 361 | — | $51,551 | — |
| Reliance Standard Life Insurance Companylife | 1,856 | — | $20,019 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 569 | — | $23,250 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 456 | — | $3,378 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 427 | — | $21,231 | — |
| Vision Service Planvision | 1,078 | — | $2,839 | — |
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 West Liberty Foods LLC 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.
Premium per covered person on medical contracts: $11,554 a year (national median $7,274).
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 | 2,065 | 1,919 | −7.1% |
| Premiums filed | $7,801,738 | $10,444,936 | +33.9% |
| Broker commissions + fees | $170,351 | $128,122 | −24.8% |
| Commission rate | 0.0% | 0.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| West Liberty Foods LLC Health & Welfare Plan#501 · insurance, general assets | December 31, 2025 | March 19, 2026 | before deadline | 1,919 |
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 West Liberty Foods LLC pay in health insurance broker commissions in 2025?
West Liberty Foods LLC's 2025 Form 5500 reports $128,122 in broker commissions and fees across 8 insurance contracts ($111,212 in commissions, $16,910 in fees), with AssuredPartners receiving the largest share.
Is West Liberty Foods LLC'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 and Blue Shield of Iowa.
How does West Liberty Foods LLC's broker compensation compare with similar employers?
West Liberty Foods LLC paid 0.0% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in Iowa is 1.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.