Form 5500 · Employee benefit plan · THE WOODLANDS, TX
EMERUS HOLDINGS, INC.
EMERUS HOLDINGS, INC. of THE WOODLANDS, TX spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BENEFIT COMMUNICATIONS INC. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-4317672 · plan 501 · plan year 2025, filed Jul 15, 2026
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4,208 other employer plans in Texas 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
Health: the largest of the 2 insured health contracts, with METROPOLITAN LIFE INSURANCE COMPANY, covers 2 of 1,586 participants (0.1%) on Schedule A.
Also declared: prepaid legal, 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 1,272 people.
Reported premium across the insured contracts is $2,790,477, with $665,196 in disclosed broker commissions — about 24% 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.
BENEFIT COMMUNICATIONS INC is the broker of record on 4 of the 12 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY, UNUM INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 1,657 | Jan 1, 2026 | $423,065 | $218,678 |
| UNUM INSURANCE COMPANY | — | 650 | Jan 1, 2026 | $379,665 | $147,263 |
| UNUM INSURANCE COMPANY | — | 580 | Jan 1, 2026 | $224,560 | $99,387 |
| UNUM INSURANCE COMPANY | — | 940 | Jan 1, 2026 | $180,436 | $68,352 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 1,272 | Jan 1, 2026 | $774,562 | $61,965 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,161 | Jan 1, 2026 | $275,376 | $25,552 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 526 | Jan 1, 2026 | $236,209 | $22,077 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 1,667 | Jan 1, 2026 | $93,262 | $8,682 |
| VISION SERVICE PLAN | Vision | 1,191 | Jan 1, 2026 | $141,720 | $7,088 |
| METLIFE LEGAL PLANS | — | 235 | Jan 1, 2026 | $61,152 | $6,115 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2 | Jan 1, 2026 | $265 | $19 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2 | Jan 1, 2026 | $205 | $18 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 40151518. For the contract year on this filing, the carrier reported $141,720 in premium earned and $133,143 in claims incurred. Dividing one by the other gives 94%.
- VISION SERVICE PLAN, contract 40151518 reported $51,019 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
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