Form 5500 · Employee benefit plan · FINDLAY, OH
ROWMARK, LLC
The filing calls this plan ROWMARK EMPLOYEE BENEFIT PLAN.
ROWMARK, LLC of FINDLAY, OH is a 230-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is PHILLIP HEALY. Coverage is written through GERBER LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5966443 · plan 501 · plan year 2025, filed Jul 30, 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 and stop-loss.
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 is $489,955; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
PHILLIP HEALY is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GERBER LIFE INSURANCE COMPANY | Stop-loss | — | Jan 1, 2026 | $344,779 | $0 |
| DELTA DENTAL OF OHIO | Dental | 373 | Jan 1, 2026 | $121,122 | $0 |
| COMMUNITY INSURANCE COMPANY | Health, Vision | 324 | Jan 1, 2026 | $24,054 | $0 |
Premium and claims on this contract
DELTA DENTAL OF OHIO, contract 0010699. For the contract year on this filing, the carrier reported $120,947 in premium earned and $94,247 in claims incurred. Dividing one by the other gives 78%.
- DELTA DENTAL OF OHIO, contract 0010699 reported $33,236 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 71 employees, 3 recordable cases, 0 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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