Form 5500 · Employee benefit plan · MARSHALL, TX
LOUIS A. WILLIAMS & ASSOCIATES, INC.
The filing calls this plan LOUIS A. WILLIAMS & ASSOCIATES, INC. EMPLOYEE BENEFIT PLAN & TRUST.
LOUIS A. WILLIAMS & ASSOCIATES, INC. of MARSHALL, TX spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CROSS POINTE INSURANCE ADVISORS. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 75-1469549 · plan 501 · plan year 2025, filed Mar 13, 2026
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How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
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
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 4 insured contracts covering health, dental, life and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 39 people.
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 $338,934, with $53,709 in disclosed broker commissions — about 16% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
CROSS POINTE INSURANCE ADVISORS is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Health, Dental, Stop-loss | 39 | Oct 1, 2025 | $327,498 | $49,125 |
| MULTIPLAN | Health | 39 | Oct 1, 2025 | $5,616 | $2,975 |
| MEDICAL HELPLINE | — | 39 | Oct 1, 2025 | $3,159 | $1,073 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 39 | Oct 1, 2025 | $2,661 | $536 |
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.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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