Form 5500 · Employee benefit plan · DERBY, VT
FRED'S PLUMBING & HEATING, INC.
The filing calls this plan FRED'S PLUMBING & HEATING EMPLOYEE BENEFIT PLAN.
FRED'S PLUMBING & HEATING, INC. of DERBY, VT is a 127-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CROSS BENEFIT SOLUTIONS. Coverage is written through RELIANCE STANDARD LIFE INSURANCE COMPANY. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0235389 · plan 502 · plan year 2024, filed Jul 23, 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
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
The filing discloses a single insured line, life, through RELIANCE STANDARD LIFE INSURANCE COMPANY, covering 128 people.
Reported premium across the insured contracts is $2,864, with $573 in disclosed broker commissions — about 20% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 128 | Oct 1, 2024 | $2,864 | $573 |
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.
Other plans filed by this employer
How this plan compares
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