Form 5500 · Employee benefit plan · WEST LIBERTY, IA
WEST LIBERTY FOODS LLC
The filing calls this plan WEST LIBERTY FOODS LLC HEALTH & WELFARE PLAN.
WEST LIBERTY FOODS LLC of WEST LIBERTY, IA insures health, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ASSURED PARTNERS GREAT PLAINS, LLC. Coverage is written through WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0793410 · plan 501 · plan year 2025, filed Mar 19, 2026
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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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Disability: RELIANCE STANDARD LIFE INSURANCE COMPANY covers 177 of 1,919 participants (9.2%) on Schedule A.
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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 8 insured contracts covering health, vision, life, disability and stop-loss; the largest, with WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, covers 904 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 4 contracts here that do not say what they cover.
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 $11,128,904, with $111,212 in disclosed broker commissions — about 1% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 361 | Jan 1, 2026 | $267,794 | $45,525 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 569 | Jan 1, 2026 | $81,078 | $19,595 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 427 | Jan 1, 2026 | $74,586 | $17,860 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 1,856 | Jan 1, 2026 | $102,819 | $17,479 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 177 | Jan 1, 2026 | $33,199 | $4,980 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 456 | Jan 1, 2026 | $17,257 | $2,934 |
| VISION SERVICE PLAN | Vision | 1,078 | Jan 1, 2026 | $107,235 | $2,839 |
| WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | Health, Stop-loss | 904 | Jan 1, 2026 | $10,444,936 | $0 |
Premium and claims on this contract
WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, contract 029. For the contract year on this filing, the carrier reported $10,444,936 in premium earned and $9,807,542 in claims incurred. Dividing one by the other gives 94%.
- WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA, contract 029 reported $637,394 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.
Reported to OSHA
Reported to OSHA for 2025: 1,616 employees, 75 recordable cases, 1,330 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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