Form 5500 · Employee benefit plan · DES MOINES, IA
NIECE TRUCKING, INC.
The filing calls this plan NIECE TRUCKING'S BENEFIT PLAN.
NIECE TRUCKING, INC. of DES MOINES, IA is a 167-participant transportation and logistics employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KEYSTONE INSURANCE AND BENEFITS GRO. Coverage is written through ARAN INSURANCE and 4 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 42-1429152 · plan 501 · plan year 2026, filed Sep 22, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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: other welfare.
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 5 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with ARAN INSURANCE, covers 74 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $430,707, with $23,134 in disclosed broker commissions — about 5.4% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
KEYSTONE INSURANCE AND BENEFITS GRO is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 161 | Apr 1, 2026 | $72,906 | $18,239 |
| DELTA DENTAL OF IOWA | Dental | 87 | Apr 1, 2026 | $55,543 | $3,152 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 127 | Apr 1, 2026 | $13,406 | $1,743 |
| ARAN INSURANCE | Stop-loss | 74 | Apr 1, 2026 | $281,298 | $0 |
| PROCARE RX | Health | 75 | Apr 1, 2026 | $7,554 | $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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 206 employees, 9 recordable cases, 142 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Iowa. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Iowa — largest plans, brokers, carriers and renewal months.