Form 5500 · Employee benefit plan · LITTLE ROCK, AR
REDSTONE CONSTRUCTION GROUP
The filing calls this plan REDSTONE CONSTRUCTION GROUP INC. CAFETERIA PLAN.
REDSTONE CONSTRUCTION GROUP of LITTLE ROCK, AR spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is THE HATCHER AGENCY. Coverage is written through QCA HEALTH PLAN and 5 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0616695 · plan 501 · plan year 2024, filed Oct 14, 2025
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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
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with QCA HEALTH PLAN, covers 189 people.
Reported premium across the insured contracts is $2,314,400, with $216,716 in disclosed broker commissions — about 9.4% of premium.
The most recent policy period ended in October, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
THE HATCHER AGENCY is the broker of record on 3 of the 9 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including QCA HEALTH PLAN, DELTA DENTAL PLAN OF ARKANSAS, 5STAR LIFE INSURANCE COMPANY and USABLE LIFE. QCA HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| QCA HEALTH PLAN | Health | 189 | Nov 1, 2024 | $1,867,752 | $131,288 |
| 5STAR LIFE INSURANCE COMPANY | Life | 207 | Nov 1, 2024 | $113,542 | $45,084 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 95 | Nov 1, 2024 | $56,562 | $12,919 |
| DELTA DENTAL PLAN OF ARKANSAS | Dental | 364 | Nov 1, 2024 | $113,606 | $10,346 |
| MANHATTANLIFE ASSURANCE CO OF AMERICA | Disability | 23 | Nov 1, 2024 | $35,530 | $8,705 |
| DELTA DENTAL PLAN OF ARKANSAS | Vision | 306 | Nov 1, 2024 | $27,528 | $3,787 |
| USABLE LIFE | Disability | 69 | Nov 1, 2024 | $20,684 | $2,958 |
| USABLE LIFE | Disability | 159 | Nov 1, 2024 | $66,143 | $1,361 |
| USABLE LIFE | Life | 69 | Nov 1, 2024 | $13,053 | $268 |
Premium and claims on these contracts
5STAR LIFE INSURANCE COMPANY, contract 03606. For the contract year on this filing, the carrier reported $113,542 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 000000403327. For the contract year on this filing, the carrier reported $56,562 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
DELTA DENTAL PLAN OF ARKANSAS, contract 000002439. For the contract year on this filing, the carrier reported $113,606 in premium earned and $58,361 in claims incurred. Dividing one by the other gives 51%.
MANHATTANLIFE ASSURANCE CO OF AMERICA, contract 554410. For the contract year on this filing, the carrier reported $35,530 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
DELTA DENTAL PLAN OF ARKANSAS, contract 00002439V. For the contract year on this filing, the carrier reported $27,528 in premium earned and $11,029 in claims incurred. Dividing one by the other gives 40%.
- 5STAR LIFE INSURANCE COMPANY, contract 03606 reported $45,084 in retention.
- UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 000000403327 reported $13,565 in retention.
- DELTA DENTAL PLAN OF ARKANSAS, contract 000002439 reported $10,346 in retention.
- MANHATTANLIFE ASSURANCE CO OF AMERICA, contract 554410 reported $8,705 in retention.
- DELTA DENTAL PLAN OF ARKANSAS, contract 00002439V reported $3,787 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
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