Form 5500 · Employee benefit plan · MOUNT AIRY, NC
MOUNTAIN RIVER TRUCKING COMPANY, INC.
The filing calls this plan MOUNTAIN RIVER TRUCKING COMPANY, INC. WELFARE PLAN.
MOUNTAIN RIVER TRUCKING COMPANY, INC. of MOUNT AIRY, NC insures health, dental, vision, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ACS BENEFIT SERVICES LLC. Coverage is written through BRECKPOINT INSURANCE COMPANY LLC and 2 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-1523832 · plan 501 · plan year 2025, filed May 29, 2026
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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.
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 3 insured contracts covering health, dental, vision, disability and stop-loss; the largest, with BRECKPOINT INSURANCE COMPANY LLC, covers 120 people.
The filing declares health, dental, vision, disability and life. Life appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
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 $714,649, with $74,985 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BRECKPOINT INSURANCE COMPANY LLC | Stop-loss | 120 | Nov 1, 2025 | $443,875 | $43,365 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Disability | 141 | Nov 1, 2025 | $268,808 | $30,991 |
| TELADOC HEALTH, INC. | Health | 120 | Nov 1, 2025 | $1,966 | $629 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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