Form 5500 · Employee benefit plan · ENID, OK
CUMMINS CONSTRUCTION CO., INC.
The filing calls this plan CUMMINS CONSTRUCTION CO., INC. WELFARE BENEFIT PLA.
CUMMINS CONSTRUCTION CO., INC. of ENID, OK is a 140-participant corporate management employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is INSERVICES, LLC. Coverage is written through BLUECROSS BLUESHIELD OF OKLAHOMA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-0626847 · plan 502 · plan year 2025, filed Jul 28, 2026
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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
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 4 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF OKLAHOMA, covers 257 people.
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 $933,141, with $105,908 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
INSERVICES, LLC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA | Health, Stop-loss | 257 | Jan 1, 2026 | $579,130 | $64,623 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 153 | Jan 1, 2026 | $180,759 | $27,114 |
| DELTA DENTAL | Dental | 144 | Jan 1, 2026 | $131,323 | $7,879 |
| VISION SERVICE PLAN | Vision | 143 | Jan 1, 2026 | $41,929 | $6,292 |
Premium and claims on this contract
DELTA DENTAL, contract 2115. For the contract year on this filing, the carrier reported $131,323 in premium earned and $92,607 in claims incurred. Dividing one by the other gives 71%.
- DELTA DENTAL, contract 2115 reported $14,756 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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