Form 5500 · Employee benefit plan · WEST DES MOINES, IA
BOARD OF TRUSTEES OF THE COOPERATIVE WELFARE BENEFITS FUND
The filing calls this plan ASSOCIATED BENEFITS CORPORATION SECTION 125 PLAN.
BOARD OF TRUSTEES OF THE COOPERATIVE WELFARE BENEFITS FUND of WEST DES MOINES, IA spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HOLMES MURPHY & ASSOCIATES, INC.. Coverage is written through STANDARD INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 42-1294150 · plan 502 · plan year 2024, filed Oct 15, 2025
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810 other employer plans in Iowa have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Vision: VISION SERVICE PLAN covers 160 of 1,864 participants (8.6%) on Schedule A.
Also declared: other welfare, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 854 people.
Reported premium across the insured contracts is $379,614, with $28,207 in disclosed broker commissions — about 7.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HOLMES MURPHY & ASSOCIATES, INC. is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including STANDARD INSURANCE COMPANY, VISION SERVICE PLAN, CONNECTIONS, INC. and ACE AMERICAN INSURANCE COMPANY. STANDARD INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life | 854 | Jan 1, 2025 | $176,382 | $18,529 |
| STANDARD INSURANCE COMPANY | Disability | 639 | Jan 1, 2025 | $137,799 | $8,298 |
| ACE AMERICAN INSURANCE COMPANY | — | 934 | Jun 1, 2024 | $8,200 | $1,380 |
| VISION SERVICE PLAN | Vision | 160 | Jan 1, 2025 | $29,687 | $0 |
| CONNECTIONS, INC. | — | 835 | Jan 1, 2025 | $27,546 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract VARIOUS. For the contract year on this filing, the carrier reported $176,382 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
STANDARD INSURANCE COMPANY, contract 648216/648219. For the contract year on this filing, the carrier reported $137,799 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
VISION SERVICE PLAN, contract 12082122. For the contract year on this filing, the carrier reported $29,687 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- STANDARD INSURANCE COMPANY, contract VARIOUS reported $98,364 in retention.
- STANDARD INSURANCE COMPANY, contract 648216/648219 reported $57,053 in retention.
- VISION SERVICE PLAN, contract 12082122 reported $4,066 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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