Form 5500 · Employee benefit plan · SAUK RAPIDS, MN
J-BERD MECHANICAL CONTRACTORS, INC.
The filing calls this plan J-BERD MECHANICAL CONTRACTORS, INC. BENEFIT PLAN.
J-BERD MECHANICAL CONTRACTORS, INC. of SAUK RAPIDS, MN is a 731-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HOLMES MURPHY & ASSOCIATES, INC.. Coverage is written through HARTFORD LIFE AND ACCIDENT and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-1716695 · plan 575 · plan year 2025, filed Sep 26, 2025
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49 other employer plans in Minnesota have policy years ending in April. 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 health, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 415 people.
The filing declares health, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $534,242, with $52,762 in disclosed broker commissions — about 9.9% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
HOLMES MURPHY & ASSOCIATES, INC. is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Health, Life, Disability | 415 | May 1, 2025 | $377,935 | $52,762 |
| NICE HEALTHCARE PLLC | — | 721 | May 1, 2025 | $156,307 | $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.
Reported to OSHA
Reported to OSHA for 2025: 524 employees, 31 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
49 other employer plans in Minnesota are May 1 renewals (policy year ends April).
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