Form 5500 · Employee benefit plan · GIDDINGS, TX
POLR FURNISHINGS, LLC
The filing calls this plan POLR FURNISHINGS, LLC DBA KAEMARK WRAP PLAN.
POLR FURNISHINGS, LLC of GIDDINGS, TX is a 121-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ANCO INS. SVCS. OF BRYAN/C.S.. Coverage is written through CURATIVE 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 85-4281785 · plan 501 · plan year 2025, filed May 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: 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with CURATIVE INSURANCE COMPANY, covers 84 people.
Reported premium across the insured contracts is $748,050, with $55,652 in disclosed broker commissions — about 7.4% 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.
ANCO INS. SVCS. OF BRYAN/C.S. is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CURATIVE INSURANCE COMPANY, BLUECROSS BLUESHIELD OF TEXAS, UNITED OF OMAHA LIFE INSURANCE COMPANY and TEXAS REPUBLIC LIFE INSURANCE COMPANY. CURATIVE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CURATIVE INSURANCE COMPANY | Health | 84 | Jan 1, 2026 | $616,454 | $36,987 |
| BLUECROSS BLUESHIELD OF TEXAS | Dental | 150 | Jan 1, 2026 | $50,039 | $5,031 |
| TEXAS REPUBLIC LIFE INSURANCE COMPANY | Life | 129 | Jan 1, 2026 | $19,203 | $4,554 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 108 | Jan 1, 2026 | $26,326 | $3,949 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 25 | Jan 1, 2026 | $10,169 | $2,034 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 31 | Jan 1, 2026 | $6,964 | $1,393 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Vision | 60 | Jan 1, 2026 | $7,466 | $747 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 109 | Jan 1, 2026 | $3,851 | $578 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 10 | Jan 1, 2026 | $3,877 | $194 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 16 | Jan 1, 2026 | $3,701 | $185 |
Premium and claims on this contract
CURATIVE INSURANCE COMPANY, contract A8000191. For the contract year on this filing, the carrier reported $616,454 in premium earned and $576,598 in claims incurred. Dividing one by the other gives 94%.
- CURATIVE INSURANCE COMPANY, contract A8000191 reported $36,987 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.
Reported to OSHA
Reported to OSHA for 2025: 128 employees, 3 recordable cases, 5 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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