Form 5500 · Employee benefit plan · WACO, TX
FOUR COOKS SENIOR CARE, LLC
The filing calls this plan FOUR COOKS SENIOR CARE, LLC WRAP PLAN.
FOUR COOKS SENIOR CARE, LLC of WACO, TX spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is FOUNDATION BENEFITS, LLC. Coverage is written through CURATIVE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-2894777 · plan 501 · plan year 2025, filed May 5, 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
Also declared: death benefits.
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with CURATIVE INSURANCE COMPANY, covers 133 people.
Reported premium across the insured contracts is $1,415,654, with $126,397 in disclosed broker commissions — about 8.9% 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.
FOUNDATION BENEFITS, LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CURATIVE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY and RELIANCE MATRIX. CURATIVE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CURATIVE INSURANCE COMPANY | Health | 133 | Jan 1, 2026 | $1,138,575 | $68,314 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 237 | Jan 1, 2026 | $182,892 | $43,973 |
| RELIANCE MATRIX | Dental, Vision | 79 | Jan 1, 2026 | $94,187 | $14,110 |
Premium and claims on this contract
CURATIVE INSURANCE COMPANY, contract A8000594. For the contract year on this filing, the carrier reported $1,138,575 in premium earned and $960,922 in claims incurred. Dividing one by the other gives 84%.
- CURATIVE INSURANCE COMPANY, contract A8000594 reported $68,314 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.
How this plan compares
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