Form 5500 · Employee benefit plan · NACOGDOCHES, TX
CAL-TEX LUMBER COMPANY, INC.
The filing calls this plan EMPLOYEE BENEFIT PLAN FOR EMPLOYEES OF CAL-TEX LUMBER COMPANY.
Public Form 5500 records show how CAL-TEX LUMBER COMPANY, INC. of NACOGDOCHES, TX, a manufacturing employer, structures its employee benefits. Its broker of record is CADENCE INSURANCE INC. Coverage is written through BLUECROSS BLUESHIELD OF TEXAS and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-2466148 · plan 501 · plan year 2024, filed Apr 8, 2025
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244 other employer plans in Texas have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
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
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 3 insured contracts covering health, dental, life and stop-loss; the largest, with BLUECROSS BLUESHIELD OF TEXAS, covers 418 people.
The filing declares health, dental, life and vision. Vision 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.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $1,706,296, with $10,846 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in March, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental | 309 | Apr 1, 2024 | $86,672 | $8,667 |
| STANDARD INSURANCE COMPANY | Life | 173 | Apr 1, 2024 | $43,586 | $2,179 |
| BLUECROSS BLUESHIELD OF TEXAS | Health, Stop-loss | 418 | Apr 1, 2024 | $1,576,038 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 170059. For the contract year on this filing, the carrier reported $43,586 in premium earned and $865 in claims incurred. Dividing one by the other gives 2%.
BLUECROSS BLUESHIELD OF TEXAS, contract 018261. For the contract year on this filing, the carrier reported $1,576,038 in premium earned and $1,615,367 in claims incurred. Dividing one by the other gives 102%.
- STANDARD INSURANCE COMPANY, contract 170059 reported $42,719 in retention.
- BLUECROSS BLUESHIELD OF TEXAS, contract 018261 reported $-39,329 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.
Reported to OSHA
Reported to OSHA for 2025: 184 employees, 9 recordable cases, 113 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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