Form 5500 · Employee benefit plan · BATON ROUGE, LA
MMR GROUP, INC.
The filing calls this plan MMR GROUP, INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how MMR GROUP, INC. of BATON ROUGE, LA, a construction employer, structures its employee benefits. Its broker of record is AGM BENEFITS AN ALERA GROUP AGENCY. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 72-1271030 · plan 501 · plan year 2025, filed Jul 29, 2026
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529 other employer plans in Louisiana 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 filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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 7 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 2,922 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 $8,426,734, with $1,078,586 in disclosed broker commissions — about 13% 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.
AGM BENEFITS AN ALERA GROUP AGENCY is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health | 2,457 | Jan 1, 2026 | $1,698,554 | $537,061 |
| STANDARD INSURANCE COMPANY | Disability | 2,114 | Jan 1, 2026 | $839,005 | $123,980 |
| STANDARD INSURANCE COMPANY | Life | 4,167 | Jan 1, 2026 | $814,151 | $120,509 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 2,922 | Jan 1, 2026 | $2,354,103 | $116,407 |
| GRANULAR INSURANCE COMPANY | Stop-loss | 2,912 | Jan 1, 2026 | $2,137,254 | $106,863 |
| STANDARD INSURANCE COMPANY | Disability | 1,081 | Jan 1, 2026 | $332,475 | $48,647 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 2,875 | Jan 1, 2026 | $251,192 | $25,119 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 166556. For the contract year on this filing, the carrier reported $839,005 in premium earned and $503,847 in claims incurred. Dividing one by the other gives 60%.
STANDARD INSURANCE COMPANY, contract 166556. For the contract year on this filing, the carrier reported $814,151 in premium earned and $578,213 in claims incurred. Dividing one by the other gives 71%.
STANDARD INSURANCE COMPANY, contract 166556. For the contract year on this filing, the carrier reported $332,475 in premium earned and $-613,495 in claims incurred. Dividing one by the other gives -185%.
- STANDARD INSURANCE COMPANY, contract 166556 reported $359,197 in retention.
- STANDARD INSURANCE COMPANY, contract 166556 reported $296,564 in retention.
- STANDARD INSURANCE COMPANY, contract 166556 reported $945,971 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.
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Renewal calendar
529 other employer plans in Louisiana are January 1 renewals (policy year ends December).
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