Form 5500 · Employee benefit plan · DERBY, VT
FRED'S PLUMBING & HEATING, INC.
The filing calls this plan FRED'S PLUMBING & HEATING, INC. HEALTH AND WELFARE BENEFIT PLAN.
FRED'S PLUMBING & HEATING, INC. of DERBY, VT insures dental, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CROSS INSURANCE, INC.. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0235389 · plan 501 · plan year 2025, 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
Schedule A lists 2 insured contracts covering dental, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 124 people.
The filing declares dental, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $153,433, with $13,246 in disclosed broker commissions — about 8.6% 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.
CROSS INSURANCE, INC. is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 124 | Oct 1, 2025 | $121,627 | $11,050 |
| DELTA DENTAL PLAN OF VERMONT, INC. | Dental | 72 | Oct 1, 2025 | $31,806 | $2,196 |
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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