Form 5500 · Employee benefit plan · SAN ANTONIO, TX
KEITH ZARS POOLS, LTD
The filing calls this plan KEITH ZARS POOLS, LTD WRAP PLAN.
KEITH ZARS POOLS, LTD of SAN ANTONIO, TX files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HIGGINBOTHAM INSURANCE AGENCY. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-2364998 · plan 501 · plan year 2025, filed Feb 24, 2026
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176 other employer plans in Texas have policy years ending in July. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
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, 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 3 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 439 people.
The filing declares dental, vision, life, disability and health. Health 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.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $260,076 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $549,211, with $30,731 in disclosed broker commissions — about 5.6% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 439 | Aug 1, 2025 | $264,061 | $30,731 |
| EXCESS RE | Stop-loss | 313 | Aug 1, 2025 | $260,076 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | — | 313 | Aug 1, 2025 | $25,074 | $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.
Reported to OSHA
Reported to OSHA for 2025: 471 employees, 38 recordable cases, 631 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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Renewal calendar
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