Form 5500 · Employee benefit plan · RICHMOND, VA
ESTES EXPRESS LINES
The filing calls this plan ESTES EXPRESS LINES FLEXIBLE BENEFITS PLAN.
ESTES EXPRESS LINES of RICHMOND, VA is a 21,833-participant transportation and logistics employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Coverage is written through CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-0492941 · plan 505 · plan year 2025, filed Jun 10, 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
Health: the largest of the 2 insured health contracts, with CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), covers 979 of 21,833 participants (4.5%) on Schedule A.
Vision: the largest of the 3 insured vision contracts, with CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), covers 979 of 21,833 participants (4.5%) on Schedule A.
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.
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 5 insured contracts covering health, dental, vision and stop-loss.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium is $24,893,235; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | Health, Vision | 979 | Jan 1, 2026 | $9,827,766 | $0 |
| DELTA DENTAL OF VIRGINIA | Dental | 36,549 | Jan 1, 2026 | $8,108,871 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Stop-loss | 35,744 | Jan 1, 2026 | $5,261,438 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 33,467 | Jan 1, 2026 | $1,692,051 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 48 | Jan 1, 2026 | $3,109 | $0 |
Premium and claims on this contract
DELTA DENTAL OF VIRGINIA, contract 00000006345. For the contract year on this filing, the carrier reported $8,108,871 in premium earned and $8,011,671 in claims incurred. Dividing one by the other gives 99%.
- DELTA DENTAL OF VIRGINIA, contract 00000006345 reported $1,046,044 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.
Reported to OSHA
Reported to OSHA for 2025: 18,977 employees, 1,108 recordable cases, 10,055 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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