Form 5500 · Employee benefit plan · ASHEVILLE, NC
BROTHERHOOD OF LOCOMOTIVE ENGINEERS
The filing calls this plan MRL - THE STANDARD STD.
BROTHERHOOD OF LOCOMOTIVE ENGINEERS of ASHEVILLE, NC is a 185-participant transportation and logistics employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ERNEST TAYLOR. Coverage is written through STANDARD INSURANCE COMPANY. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 30-0262854 · plan 587 · plan year 2024, filed Oct 14, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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
The filing discloses a single insured line, disability, through STANDARD INSURANCE COMPANY, covering 185 people.
Reported premium across the insured contracts is $274,742, with $43,959 in disclosed broker commissions — about 16% 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 |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 185 | Jan 1, 2025 | $274,742 | $43,959 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 171802. For the contract year on this filing, the carrier reported $274,742 in premium earned and $189,900 in claims incurred. Dividing one by the other gives 69%.
- STANDARD INSURANCE COMPANY, contract 171802 reported $184,133 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.
Other plans filed by this employer
How this plan compares
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