Form 5500 · Employee benefit plan · BELLWOOD, PA
MARTIN OIL COMPANY
The filing calls this plan MARTIN OIL COMPANY HEALTH AND WELFARE PLAN.
MARTIN OIL COMPANY of BELLWOOD, PA is a 183-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CBIZ BENEFITS & INSURANCE SERVICES. Coverage is written through UPMC HEALTH OPTIONS and 3 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-1154607 · plan 501 · plan year 2026, filed Aug 28, 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.
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, dental, vision, life and disability; the largest, with UPMC HEALTH OPTIONS, covers 169 people.
Reported premium across the insured contracts is $1,782,242, with $88,032 in disclosed broker commissions — about 4.9% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
CBIZ BENEFITS & INSURANCE SERVICES is the broker of record on all 5 contracts.
4 carriers appear on the filing, including UPMC HEALTH OPTIONS, AMERICAN UNITED LIFE INSURANCE COMPANY, UNITED CONCORDIA INSURANCE COMPANY and VISION BENEFITS OF AMERICA. UPMC HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UPMC HEALTH OPTIONS | Health | 169 | Feb 1, 2026 | $1,504,743 | $59,303 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 191 | Feb 1, 2026 | $224,067 | $23,002 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 86 | Feb 1, 2026 | $46,835 | $5,276 |
| VISION BENEFITS OF AMERICA | Vision | 123 | Feb 1, 2026 | $6,597 | $476 |
| UPMC HEALTH OPTIONS | Health | 0 | Feb 1, 2026 | — | $-25 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 2802. For the contract year on this filing, the carrier reported $6,597 in premium earned and $2,347 in claims incurred. Dividing one by the other gives 36%.
- VISION BENEFITS OF AMERICA, contract 2802 reported $4,250 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.
Other plans filed by this employer
How this plan compares
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