Form 5500 · Employee benefit plan · BEACH ISLAND, SC
S & H MOTORS, INC.
The filing calls this plan S & H MOTORS INC CAFETERIA PLAN.
Public Form 5500 records show how S & H MOTORS, INC. of BEACH ISLAND, SC, a retail employer, structures its employee benefits. Its broker of record is LEGACY RISK SOLUTIONS LLC. Coverage is written through NATIONAL HEALTH INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-1811326 · plan 501 · plan year 2026, filed Jul 21, 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
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 8 insured contracts covering health, dental, vision, life and disability; the largest, with NATIONAL HEALTH INSURANCE COMPANY, covers 131 people.
Reported premium across the insured contracts is $1,256,449, with $48,488 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
LEGACY RISK SOLUTIONS LLC is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including NATIONAL HEALTH INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, HARTFORD LIFE AND ACCIDENT and UNITED OF OMAHA LIFE INSURANCE COMPANY. NATIONAL HEALTH INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Disability | 160 | Apr 1, 2026 | $108,757 | $15,846 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 195 | Apr 1, 2026 | $57,763 | $8,622 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 74 | Apr 1, 2026 | $32,070 | $8,016 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 109 | Apr 1, 2026 | $35,742 | $7,148 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 112 | Apr 1, 2026 | $25,605 | $5,120 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 57 | Apr 1, 2026 | $13,477 | $2,696 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 197 | Apr 1, 2026 | $5,189 | $1,040 |
| NATIONAL HEALTH INSURANCE COMPANY | Health | 131 | Apr 1, 2026 | $977,846 | $0 |
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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