Form 5500 · Employee benefit plan · RICHMOND, VA
ESTES EXPRESS LINES GROUP LONG TERM DISABILITY PLAN
ESTES EXPRESS LINES GROUP LONG TERM DISABILITY PLAN of RICHMOND, VA is a 21,799-participant transportation and logistics employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through LIFE INSURANCE COMPANY OF NORTH AMERICA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-0492941 · plan 507 · plan year 2025, filed Jun 10, 2026
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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
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
All 4 insured contracts are disability coverage, split across LIFE INSURANCE COMPANY OF NORTH AMERICA and NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK.
Reported premium is $14,110,980; 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.
Two carriers split the book: LIFE INSURANCE COMPANY OF NORTH AMERICA and NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 22,177 | Jan 1, 2026 | $7,310,292 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 17,163 | Jan 1, 2026 | $6,633,065 | $0 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 362 | Jan 1, 2026 | $161,712 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 10 | Dec 1, 2025 | $5,911 | $0 |
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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