Form 5500 · Employee benefit plan · HOUSTON, TX
FEMCO INC.
The filing calls this plan THE FINGER COMPANIES EMPLOYEE BENEFIT PLAN.
Public Form 5500 records show how FEMCO INC. of HOUSTON, TX, a real estate employer, structures its employee benefits. Its broker of record is BCI INSURANCE SOLUTIONS, INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 76-0248989 · plan 501 · plan year 2025, filed Jun 16, 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.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 156 people.
Reported premium across the insured contracts is $1,489,141, with $15,240 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in January, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
BCI INSURANCE SOLUTIONS, INC. is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
Two carriers split the book: UNITEDHEALTHCARE INSURANCE COMPANY and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 108 | Feb 1, 2025 | $75,584 | $7,558 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 142 | Feb 1, 2025 | $19,773 | $1,977 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life | 49 | Feb 1, 2025 | $19,415 | $1,942 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 91 | Feb 1, 2025 | $18,744 | $1,874 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision | 91 | Feb 1, 2025 | $11,287 | $1,129 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life | 126 | Feb 1, 2025 | $20,908 | $291 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 107 | Feb 1, 2025 | $2,757 | $276 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 47 | Feb 1, 2025 | $1,927 | $193 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 156 | Feb 1, 2025 | $1,318,746 | $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.
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
How this plan compares
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