Form 5500 · Employee benefit plan · JEFFERSON CITY, MO
LEARFIELD COMMUNICATIONS GROUP BENEFIT TRUST, INC
LEARFIELD COMMUNICATIONS GROUP BENEFIT TRUST, INC of JEFFERSON CITY, MO spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through BLUECROSS BLUESHIELD OF TEXAS and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2642179 · plan 501 · plan year 2024, filed Mar 5, 2026
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1,182 other employer plans in Missouri have policy years ending in December. 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 plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.
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
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, dental and stop-loss; the largest, with BLUECROSS BLUESHIELD OF TEXAS, covers 3,054 people.
The filing declares health, dental, vision, life and disability. Vision, life and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
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 across the insured contracts is $18,918,761, with $279,874 in disclosed broker commissions — about 1.5% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS | Health, Stop-loss | 3,054 | Jan 1, 2025 | $17,499,397 | $279,874 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 2,823 | Jan 1, 2025 | $1,326,380 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 12 | Jan 1, 2025 | $92,984 | $0 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF TEXAS, contract 274904. For the contract year on this filing, the carrier reported $17,499,397 in premium earned and $17,705,214 in claims incurred. Dividing one by the other gives 101%.
- BLUECROSS BLUESHIELD OF TEXAS, contract 274904 reported $-205,816 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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Renewal calendar
1,182 other employer plans in Missouri are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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