Form 5500 · Employee benefit plan · COVINGTON, LA
GULF MANAGEMENT, INC.
The filing calls this plan GULF MANAGEMENT, INC. EMPLOYER WELFARE BENEFIT PLAN.
GULF MANAGEMENT, INC. of COVINGTON, LA is a 162-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF LOUISIANA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-4416612 · plan 502 · plan year 2025, filed Sep 14, 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, 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 BLUE CROSS AND BLUE SHIELD OF LOUISIANA, covers 299 people.
Reported premium across the insured contracts is $1,831,745, with $100,639 in disclosed broker commissions — about 5.5% 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.
LOCKTON COMPANIES, LLC is the broker of record on all 4 contracts.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF LOUISIANA, PRINCIPAL LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY. BLUE CROSS AND BLUE SHIELD OF LOUISIANA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LOUISIANA | Health | 299 | Jan 1, 2026 | $1,560,173 | $54,606 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 245 | Jan 1, 2026 | $102,435 | $20,488 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 216 | Jan 1, 2026 | $50,167 | $14,531 |
| PRINCIPAL LIFE INSURANCE COMPANY | Dental, Vision | 312 | Jan 1, 2026 | $118,970 | $11,014 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78Q74ERC. For the contract year on this filing, the carrier reported $1,560,173 in premium earned and $1,251,260 in claims incurred. Dividing one by the other gives 80%.
- BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78Q74ERC reported $249,628 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.
Reported to OSHA
Reported to OSHA for 2025: 20 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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