Form 5500 · Employee benefit plan · MONROEVILLE, PA
COCHRAN MOTORS, INC.
The filing calls this plan COCHRAN MOTORS, INC. WELFARE BENEFIT PLAN.
COCHRAN MOTORS, INC. of MONROEVILLE, PA is a 1,110-participant retail employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is SEUBERT & ASSOCIATES INC.. Coverage is written through HM LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-1251007 · plan 509 · plan year 2025, filed Sep 22, 2025
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629 other employer plans in Pennsylvania have policy years ending in June. 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
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 health, dental, vision, life, disability and stop-loss; the largest, with HM LIFE INSURANCE COMPANY, covers 1,038 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 $2,932,662, with $230,614 in disclosed broker commissions — about 7.9% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
SEUBERT & ASSOCIATES INC. is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HM LIFE INSURANCE COMPANY | Stop-loss | 1,038 | Jul 1, 2025 | $1,339,248 | $125,373 |
| SYMETRA LIFE INSURANCE COMPANY | Life, Disability | — | Jul 1, 2025 | $908,095 | $34,349 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental | 666 | Jul 1, 2025 | $430,509 | $33,862 |
| SYMETRA LIFE INSURANCE COMPANY | Health | 1,125 | Jul 1, 2025 | $139,186 | $25,468 |
| VISION BENEFITS OF AMERICA | Vision | 957 | Jul 1, 2025 | $115,624 | $11,562 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 4633. For the contract year on this filing, the carrier reported $115,624 in premium earned and $79,163 in claims incurred. Dividing one by the other gives 68%.
- VISION BENEFITS OF AMERICA, contract 4633 reported $36,461 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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