Form 5500 · Employee benefit plan · LAUREL, MS
ASAP EMS CORP EMPLOYEE BENEFIT PLAN
ASAP EMS CORP EMPLOYEE BENEFIT PLAN of LAUREL, MS files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is SOUTHGROUP BENEFITS CONSULTANTS LLC. Coverage is written through BLUE CROSS BLUE SHIELD and 1 other carrier. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-1487845 · plan 521 · plan year 2025, filed Jun 25, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD, covers 120 people.
Reported premium across the insured contracts is $787,723, with $96,779 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
SOUTHGROUP BENEFITS CONSULTANTS LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD and SUN LIFE ASSURANCE COMPANY OF CANADA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Health, Dental, Vision, Life, Disability | 120 | Nov 1, 2025 | $174,544 | $62,829 |
| BLUE CROSS BLUE SHIELD | Health | 120 | Nov 1, 2025 | $613,179 | $33,950 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD, contract 070868. For the contract year on this filing, the carrier reported $613,179 in premium earned and $495,408 in claims incurred. Dividing one by the other gives 81%.
- BLUE CROSS BLUE SHIELD, contract 070868 reported $95,268 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.
How this plan compares
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