Form 5500 · Employee benefit plan · NORCROSS, GA
EAGLE ROCK DISTRIBUTING COMPANY
The filing calls this plan EAGLE ROCK DISTRIBUTING COMPANY WELFARE.
Public Form 5500 records show how EAGLE ROCK DISTRIBUTING COMPANY of NORCROSS, GA, a wholesale trade employer, structures its employee benefits. Its broker of record is MCGRIFF SEIBELS AND WILLIAMS INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-2532427 · plan 502 · plan year 2025, filed Dec 16, 2025
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65 other employer plans in Georgia have policy years ending in February. 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
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 7 insured contracts covering health, vision, life, disability and stop-loss; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 921 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 $1,417,375, with $214,598 in disclosed broker commissions — about 15% 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.
MCGRIFF SEIBELS AND WILLIAMS INC is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Stop-loss | 921 | Mar 1, 2025 | $977,604 | $146,642 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 831 | Mar 1, 2025 | $121,062 | $18,159 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 215 | Mar 1, 2025 | $91,983 | $18,044 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 323 | Mar 1, 2025 | $74,912 | $11,237 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 234 | Mar 1, 2025 | $62,980 | $9,447 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 440 | Mar 1, 2025 | $43,791 | $6,569 |
| EYEMED VISION CARE | Vision | 776 | Mar 1, 2025 | $45,043 | $4,500 |
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.
Reported to OSHA
Reported to OSHA for 2025: 256 employees, 13 recordable cases, 199 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
65 other employer plans in Georgia are March 1 renewals (policy year ends February).
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