Form 5500 · Employee benefit plan · SHELBY, OH
PHILLIPS MANUFACTURING & TOWER CO., INC.
PHILLIPS MANUFACTURING & TOWER CO., INC. of SHELBY, OH is a 181-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HORAN ASSOCIATES INC. Coverage is written through STANDARD INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-1156333 · plan 502 · plan year 2025, filed Sep 10, 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
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 4 insured contracts covering life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 198 people.
Reported premium across the insured contracts is $284,166, with $32,140 in disclosed broker commissions — about 11% 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.
HORAN ASSOCIATES INC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Two carriers split the book: STANDARD INSURANCE COMPANY and CONTINENTAL AMERICAN INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 61 | Jan 1, 2026 | $78,586 | $9,725 |
| STANDARD INSURANCE COMPANY | Life | 198 | Jan 1, 2026 | $89,729 | $8,972 |
| STANDARD INSURANCE COMPANY | Disability | 197 | Jan 1, 2026 | $79,423 | $7,870 |
| STANDARD INSURANCE COMPANY | Disability | 47 | Jan 1, 2026 | $36,428 | $5,573 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 160461. For the contract year on this filing, the carrier reported $89,729 in premium earned and $151,672 in claims incurred. Dividing one by the other gives 169%.
STANDARD INSURANCE COMPANY, contract 160461. For the contract year on this filing, the carrier reported $79,423 in premium earned and $121,366 in claims incurred. Dividing one by the other gives 153%.
- STANDARD INSURANCE COMPANY, contract 160461 reported $27,740 in retention.
- STANDARD INSURANCE COMPANY, contract 160461 reported $46,271 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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