Form 5500 · Employee benefit plan · BORGER, TX
GPCH
The filing calls this plan CRITICAL ACCESS HEALTHCARE WELFARE PLAN.
Public Form 5500 records show how GPCH of BORGER, TX, a health care and social assistance employer, structures its employee benefits. Its broker of record is UPSHAW INSURANCE AGENCY. Coverage is written through PRINCIPAL 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 26-0328929 · plan 502 · plan year 2024, filed Jul 30, 2025
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4,208 other employer plans in Texas 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
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 5 insured contracts covering dental, vision, life and disability; the largest, with PRINCIPAL LIFE INSURANCE COMPANY, covers 387 people.
Reported premium across the insured contracts is $554,194, with $59,142 in disclosed broker commissions — about 11% 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.
UPSHAW INSURANCE AGENCY is the broker of record on all 5 contracts.
Two carriers split the book: PRINCIPAL LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | Dental | 387 | Jan 1, 2025 | $169,693 | $16,717 |
| PRINCIPAL LIFE INSURANCE COMPANY | Vision | 387 | Jan 1, 2025 | $169,693 | $16,717 |
| STANDARD INSURANCE COMPANY | Life | 283 | Jan 1, 2025 | $105,376 | $11,952 |
| STANDARD INSURANCE COMPANY | Disability | 154 | Jan 1, 2025 | $65,330 | $8,000 |
| STANDARD INSURANCE COMPANY | Disability | 151 | Jan 1, 2025 | $44,102 | $5,756 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 166523. For the contract year on this filing, the carrier reported $105,376 in premium earned and $166,667 in claims incurred. Dividing one by the other gives 158%.
STANDARD INSURANCE COMPANY, contract 166523. For the contract year on this filing, the carrier reported $65,330 in premium earned and $58,281 in claims incurred. Dividing one by the other gives 89%.
STANDARD INSURANCE COMPANY, contract 166523. For the contract year on this filing, the carrier reported $42,715 in premium earned and $24,117 in claims incurred. Dividing one by the other gives 56%.
- STANDARD INSURANCE COMPANY, contract 166523 reported $34,025 in retention.
- STANDARD INSURANCE COMPANY, contract 166523 reported $33,068 in retention.
- STANDARD INSURANCE COMPANY, contract 166523 reported $21,173 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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