Form 5500 · Employee benefit plan · MANASSAS, VA
BREEDEN MECHANICAL, INC.
The filing calls this plan BREEDEN MECHANICAL, INC. LIFE AND HEALTH PLAN.
Public Form 5500 records show how BREEDEN MECHANICAL, INC. of MANASSAS, VA, a construction employer, structures its employee benefits. Its broker of record is RICHARD SILBERSTEIN. Coverage is written through INNOVATION HEALTH and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1089530 · plan 501 · plan year 2025, filed Dec 3, 2025
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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
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 3 insured contracts covering health, dental, vision and life; the largest, with INNOVATION HEALTH, covers 364 people.
The filing declares health, dental, vision, life and disability. Disability 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 $2,707,646, with $9,249 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
RICHARD SILBERSTEIN is the broker of record on 1 of the 3 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, Life | 202 | Jun 1, 2025 | $141,638 | $9,249 |
| INNOVATION HEALTH | Health | 364 | Jun 1, 2025 | $2,396,150 | $0 |
| AETNA LIFE INSURANCE COMPANY | Vision | 383 | Jun 1, 2025 | $169,858 | $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.
Other plans filed by this employer
How this plan compares
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