Form 5500 · Employee benefit plan · ALBERMARLE, NC
J.T. RUSSELL AND SONS, INC.
The filing calls this plan J. T. RUSSELL & SONS, INC. WELFARE BENEFIT PLAN.
J.T. RUSSELL AND SONS, INC. of ALBERMARLE, NC insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA and 4 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-0858771 · plan 501 · plan year 2026, filed Aug 10, 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: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, covers 165 people.
Reported premium across the insured contracts is $1,369,896, with $55,722 in disclosed broker commissions — about 4.1% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY, LLC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, PRINCIPAL LIFE INSURANCE COMPANY, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and COMMUNITY EYE CARE. BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Life, Disability | 189 | Feb 1, 2026 | $234,650 | $45,382 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 44 | Feb 1, 2026 | $48,495 | $6,519 |
| COMMUNITY EYE CARE | Vision | 142 | Feb 1, 2026 | $26,065 | $2,607 |
| USABLE LIFE | Life | 144 | Feb 1, 2026 | $12,122 | $1,214 |
| BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | Health | 165 | Feb 1, 2026 | $1,048,564 | $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: 152 employees, 2 recordable cases, 355 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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