Form 5500 · Employee benefit plan · MORGANTOWN, WV
HOPE GAS, INC.
The filing calls this plan HOPE GAS, INC. POSTRETIREMENT MEDICAL AND LIFE INSURANCE PLAN BENEFITS.
HOPE GAS, INC. of MORGANTOWN, WV insures health, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is USI INSURANCE SERVICE LLC. Coverage is written through BERKLEY LIFE AND HEALTH INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 55-0196830 · plan 502 · plan year 2025, filed Aug 27, 2026
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: BERKLEY LIFE AND HEALTH INSURANCE COMPANY covers 53 of 557 participants (9.5%) on Schedule A.
Life: the largest of the 2 insured life contracts, with BERKLEY LIFE AND HEALTH INSURANCE COMPANY, covers 53 of 557 participants (9.5%) on Schedule A.
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.
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 3 insured contracts covering health, life and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium is $364,980; the filing discloses no broker commission on these contracts.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
USI INSURANCE SERVICE LLC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | Health, Life | 53 | Sep 1, 2025 | $196,939 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 134 | Jan 1, 2026 | $156,876 | $0 |
| COMMUNITY INSURANCE COMPANY | Stop-loss | 1,673 | Jan 1, 2026 | $11,165 | $0 |
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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