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Form 5500 · Employee benefit plan · PHOENIX, AZ

CHRISTIAN CARE MANAGEMENT, INC.

The filing calls this plan CHRISTIAN CARE MANAGEMENT, INC. WELFARE BENEFIT PLAN.

CHRISTIAN CARE MANAGEMENT, INC. of PHOENIX, AZ insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HUB INTERNATIONAL MIDWEST LTD.. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 3 other carriers. The plan's most recent policy period ended in February.

Benefits broker of record
Policy year ends
Februaryas filed for plan year 2025

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-2756711 · plan 501 · plan year 2025, filed Sep 30, 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.

All participants at the start of the year
243
Active at start of year
243
Active at end of year
223
Disclosed commissions
$41,564
Typical renewal
March 1

Benefits declared on this filing

Healthinsured — AFLAC42 of 243 participants (17%)
Dentalinsured — THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA269 of 243 participants
Visioninsured — THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA269 of 243 participants
Lifeinsured — AFLAC42 of 243 participants (17%) on the largest contract
Disabilityinsured — THE LINCOLN NATIONAL LIFE INSURANCE COMPANY394 of 243 participants on the largest contract

Also declared: prepaid legal, 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.

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 disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 269 people.

Reported premium across the insured contracts is $450,671, with $41,564 in disclosed broker commissions — about 9.2% of premium.

The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.

HUB INTERNATIONAL MIDWEST LTD. is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.

4 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, AFLAC and PRE-PAID LEGAL SERVICES INC. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
THE LINCOLN NATIONAL LIFE INSURANCE COMPANYDisability394Mar 1, 2025$153,139$15,314
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICADental, Vision269Mar 1, 2025$180,760$14,283
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY—134Mar 1, 2025$55,210$5,521
AFLACHealth, Life, Disability42Mar 1, 2025$32,592$3,681
THE LINCOLN NATIONAL LIFE INSURANCE COMPANYLife521Mar 1, 2025$26,177$2,618
PRE-PAID LEGAL SERVICES INC—12Mar 1, 2025$2,793$147

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.

See the filing at the Department of Labor

Administrator and service providers

LUMINARE HEALTH BENEFITS, INC.
Claims processing · Plan administrator · EIN 35-1846036
$144,094
paid directly by the plan
BLUE CROSS BLUE SHIELD OF AZ
Claims processing · EIN 86-0004538
$60,456
paid directly by the plan
HUB INTERNATIONAL
Named on Schedule C · EIN 03-3031504
$51,600
paid directly by the plan
CAPITAL FINANCIAL
Named on Schedule C · EIN 20-5078854
$33,750
paid directly by the plan
MULTIPLAN, INC
Claims processing · Plan administrator · EIN 13-3068979
$19,300
paid directly by the plan

Named on Schedule C of this filing. We publish company names only.

Other plans filed by this employer

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