Form 5500 · Employee benefit plan · MOUNT PLEASANT, MI
CENTRAL ASPHALT INC.
The filing calls this plan FISHER COMPANIES GROUP BENEFIT PLAN.
CENTRAL ASPHALT INC. of MOUNT PLEASANT, MI insures health, dental, vision, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GENERAL AGENCY KAP. Coverage is written through EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. and 5 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2408252 · plan 525 · plan year 2025, filed Dec 12, 2025
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How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
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 6 insured contracts covering health, dental, vision, life and stop-loss; the largest, with EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC., covers 225 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,152,070, with $5,440 in disclosed broker commissions — about 0.5% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
GENERAL AGENCY KAP is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| VISION SERVICE PLAN | Vision | 239 | Apr 1, 2025 | $43,160 | $4,312 |
| KANSAS CITY LIFE INSURANCE COMPANY | Life | 251 | Apr 1, 2025 | $11,275 | $1,128 |
| EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | Health | 225 | Apr 1, 2025 | $472,244 | $0 |
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | Stop-loss | 225 | Apr 1, 2025 | $397,108 | $0 |
| DELTA DENTAL OF MICHIGAN | Dental | 600 | Apr 1, 2025 | $182,881 | $0 |
| HCC LIFE INSURANCE COMPANY (FORMERLY TOKIO MARINE HCC) | Health | 226 | Apr 1, 2025 | $45,402 | $0 |
Premium and claims on these contracts
VISION SERVICE PLAN, contract 30096883. For the contract year on this filing, the carrier reported $43,160 in premium earned and $31,351 in claims incurred. Dividing one by the other gives 73%.
DELTA DENTAL OF MICHIGAN, contract 0004486. For the contract year on this filing, the carrier reported $182,881 in premium earned and $172,598 in claims incurred. Dividing one by the other gives 94%.
- VISION SERVICE PLAN, contract 30096883 reported $18,343 in retention.
- DELTA DENTAL OF MICHIGAN, contract 0004486 reported $13,286 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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