Form 5500 · Employee benefit plan · DES MOINES, IA
JENSEN CONSTRUCTION COMPANY
The filing calls this plan JENSEN CONSTRUCTION COMPANY GROUP TRUST.
JENSEN CONSTRUCTION COMPANY of DES MOINES, IA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is FULCRUM BENEFITS. Coverage is written through WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA and 1 other carrier. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 42-0667649 · plan 501 · plan year 2025, filed Jul 15, 2026
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21 other employer plans in Iowa have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in 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
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 2 insured contracts covering health, dental and stop-loss; the largest, with WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, covers 538 people.
The filing declares health, dental, vision and life. Vision and life appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $7,985,642, with $106,129 in disclosed broker commissions — about 1.3% of premium.
The health contract's policy period ended in September, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | Health, Stop-loss | 538 | Oct 1, 2025 | $7,985,642 | $101,535 |
| DELTA DENTAL OF IOWA | Dental | 830 | Jan 1, 2026 | — | $4,594 |
Premium and claims on this contract
WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, contract 028. For the contract year on this filing, the carrier reported $7,985,642 in premium earned and $5,943,810 in claims incurred. Dividing one by the other gives 74%.
- WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, contract 028 reported $2,041,832 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 12 employees, 3 recordable cases, 31 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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.
How this plan compares
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Renewal calendar
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