Form 5500 · Employee benefit plan · RICHMOND, VA
EAGLE FIRE INC.
The filing calls this plan EAGLE FIRE INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how EAGLE FIRE INC. of RICHMOND, VA, a construction employer, structures its employee benefits. Its broker of record is BROWN & NOYES, LLC. Coverage is written through STANDARD INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1436156 · plan 505 · plan year 2025, filed Apr 8, 2026
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1,326 other employer plans in Virginia have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
Benefits declared on this filing
Also declared: death benefits, 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.
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 4 insured contracts covering vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 597 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, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $535,000, with $46,664 in disclosed broker commissions — about 8.7% 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.
BROWN & NOYES, LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 597 | Jan 1, 2026 | $169,031 | $16,043 |
| STANDARD INSURANCE COMPANY | Life | 599 | Jan 1, 2026 | $159,072 | $14,386 |
| STANDARD INSURANCE COMPANY | Disability | 599 | Jan 1, 2026 | $149,320 | $14,172 |
| VISION SERVICE PLAN | Vision | 425 | Jan 1, 2026 | $57,577 | $2,063 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 173274. For the contract year on this filing, the carrier reported $169,031 in premium earned and $141,166 in claims incurred. Dividing one by the other gives 84%.
STANDARD INSURANCE COMPANY, contract 173274. For the contract year on this filing, the carrier reported $159,072 in premium earned and $29,115 in claims incurred. Dividing one by the other gives 18%.
STANDARD INSURANCE COMPANY, contract 173274. For the contract year on this filing, the carrier reported $149,320 in premium earned and $255,806 in claims incurred. Dividing one by the other gives 171%.
- STANDARD INSURANCE COMPANY, contract 173274 reported $111,973 in retention.
- STANDARD INSURANCE COMPANY, contract 173274 reported $129,956 in retention.
- STANDARD INSURANCE COMPANY, contract 173274 reported $95,119 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.
Reported to OSHA
Reported to OSHA for 2025: 590 employees, 4 recordable cases, 242 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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