Form 5500 · Employee benefit plan · CEDAR RAPIDS, IA
COLLINS COMMUNITY CREDIT UNION
The filing calls this plan COLLINS COMMUNITY CREDIT UNION EMPLOYEES BENEFIT P.
COLLINS COMMUNITY CREDIT UNION of CEDAR RAPIDS, IA spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is TRUENORTH COMPANIES, L.C.. Coverage is written through UNITED OF OMAHA LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 42-0190489 · plan 503 · plan year 2025, filed Sep 15, 2026
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How this plan is funded
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
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
Also declared: 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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 6 insured contracts covering dental, vision, life and disability; the largest, with UNITED OF OMAHA LIFE INSURANCE COMPANY, covers 194 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $122,002, with $13,514 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
TRUENORTH COMPANIES, L.C. is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 90 | Dec 1, 2025 | $30,825 | $4,624 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 194 | Dec 1, 2025 | $39,946 | $3,497 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 195 | Dec 1, 2025 | $25,766 | $2,577 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 286 | Aug 1, 2025 | $11,446 | $1,414 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 241 | Dec 1, 2025 | $14,019 | $1,402 |
| DELTA DENTAL OF IOWA | Dental | 173 | Jan 1, 2026 | — | $0 |
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.
Reported to OSHA
Reported to OSHA for 2025: 214 employees, 2 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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