Form 5500 · Employee benefit plan · CHARLOTTE, NC
G & W EQUIPMENT, INC.
The filing calls this plan G&W EQUIPMENT, INC. EMPLOYEE BENEFIT PLAN.
G & W EQUIPMENT, INC. of CHARLOTTE, NC insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MOUNTCASTLE INSURANCE. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-1630404 · plan 501 · plan year 2025, filed Jun 25, 2026
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1,311 other employer plans in North Carolina have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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: other welfare.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 286 people.
Reported premium across the insured contracts is $487,287, with $66,191 in disclosed broker commissions — about 14% 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.
MOUNTCASTLE INSURANCE is the broker of record on all 4 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and LIFE INSURANCE COMPANY OF NORTH AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 286 | Jan 1, 2026 | $328,250 | $42,335 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 335 | Jan 1, 2026 | $86,491 | $12,974 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 335 | Jan 1, 2026 | $60,145 | $9,022 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 335 | Jan 1, 2026 | $12,401 | $1,860 |
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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Renewal calendar
1,311 other employer plans in North Carolina are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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