Form 5500 · Employee benefit plan · VESTAVIA HILLS, AL
CAPSTONE ON CAMPUS MANAGEMENT
The filing calls this plan CAPSTONE ON CAMPUS MANAGEMENT EMPLOYEE BENEFITS PLAN.
CAPSTONE ON CAMPUS MANAGEMENT of VESTAVIA HILLS, AL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is VALENT GROUP LLC. Coverage is written through HCC LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-2440563 · plan 501 · plan year 2025, filed May 15, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
57 other employer plans in Alabama have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: other welfare.
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 5 insured contracts covering vision, life, disability and stop-loss; the largest, with HCC LIFE INSURANCE COMPANY, covers 274 people.
The filing declares vision, life, disability, health and dental. Health and dental appear 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 the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The 2 stop-loss contracts report $1,639,168 in premium and $122,938 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,998,811, with $154,582 in disclosed broker commissions — about 7.7% of premium.
The most recent policy period ended in September, 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 |
|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY | Stop-loss | 274 | Oct 1, 2025 | $1,179,052 | $88,429 |
| HCC LIFE INSURANCE COMPANY | Stop-loss | 283 | Jan 1, 2026 | $460,116 | $34,509 |
| SYMETRA LIFE INSURANCE COMPANY | Life, Disability | 394 | Jan 1, 2026 | $199,058 | $29,859 |
| VISION SERVICE PLAN | Vision | 253 | Jan 1, 2026 | $46,669 | $1,785 |
| LYRA HEALTH, INC. | — | 404 | Jan 1, 2026 | $113,916 | $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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Renewal calendar
57 other employer plans in Alabama are October 1 renewals (policy year ends September).
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