Form 5500 · Employee benefit plan · MEMPHIS, TN
LRK INC.
The filing calls this plan LRK, INC. HEALTH & WELFARE PLAN.
LRK INC. of MEMPHIS, TN insures health, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through STANDARD INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-2257638 · plan 501 · plan year 2025, filed Feb 2, 2026
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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, 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, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 1,210 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear 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 $130,025, with $12,151 in disclosed broker commissions — about 9.3% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST LIMITED is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health | 111 | Jun 1, 2025 | $15,238 | $4,461 |
| STANDARD INSURANCE COMPANY | Disability | 1,210 | Jun 1, 2025 | $57,113 | $3,511 |
| STANDARD INSURANCE COMPANY | Disability | 550 | Jun 1, 2025 | $36,315 | $2,531 |
| STANDARD INSURANCE COMPANY | Life | 1,650 | Jun 1, 2025 | $18,239 | $1,648 |
| CONCERN EMPLOYEE ASSISTANCE PROGRAM | — | 111 | Jun 1, 2025 | $3,120 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 151845. For the contract year on this filing, the carrier reported $57,113 in premium earned and $1,813 in claims incurred. Dividing one by the other gives 3%.
STANDARD INSURANCE COMPANY, contract 151845. For the contract year on this filing, the carrier reported $36,315 in premium earned and $33,968 in claims incurred. Dividing one by the other gives 94%.
STANDARD INSURANCE COMPANY, contract 151845. For the contract year on this filing, the carrier reported $18,239 in premium earned and $247 in claims incurred. Dividing one by the other gives 1%.
- STANDARD INSURANCE COMPANY, contract 151845 reported $55,298 in retention.
- STANDARD INSURANCE COMPANY, contract 151845 reported $16,735 in retention.
- STANDARD INSURANCE COMPANY, contract 151845 reported $17,993 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. We publish company names only.
Other plans filed by this employer
How this plan compares
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