Form 5500 · Employee benefit plan · MELBOURNE, FL
M.E. CONSTRUCTION INC.
The filing calls this plan M.E. CONSTRUCTION INC. BENEFIT PLAN.
M.E. CONSTRUCTION INC. of MELBOURNE, FL insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is LRA INSURANCE. Coverage is written through SIDECAR HEALTH INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3309627 · plan 502 · plan year 2026, filed Aug 20, 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: death benefits.
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 2 insured contracts covering health, dental, vision and life; the largest, with SIDECAR HEALTH INSURANCE COMPANY, covers 182 people.
Reported premium across the insured contracts is $958,364, with $55,016 in disclosed broker commissions — about 5.7% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
LRA INSURANCE is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: SIDECAR HEALTH INSURANCE COMPANY and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SIDECAR HEALTH INSURANCE COMPANY | Health | 182 | Apr 1, 2026 | $884,349 | $47,275 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life | 193 | Apr 1, 2026 | $74,015 | $7,741 |
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: 154 employees, 0 recordable cases, 0 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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