Form 5500 · Employee benefit plan · GORHAM, ME
SHAW BROTHERS CONSTRUCTION, INC.
The filing calls this plan SHAW BROTHERS CONSTRUCTION, INC. EMPLOYEE WELFARE BENEFIT PLAN.
SHAW BROTHERS CONSTRUCTION, INC. of GORHAM, ME insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CROSS BENEFIT SOLUTIONS. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0350537 · plan 501 · plan year 2025, filed Sep 24, 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
Also declared: death benefits.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 158 people.
Reported premium across the insured contracts is $1,823,131, with $20,936 in disclosed broker commissions — about 1.1% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
CROSS BENEFIT SOLUTIONS is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Vision, Life, Disability | 136 | May 1, 2025 | $186,808 | $11,612 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental | 127 | May 1, 2025 | $93,544 | $9,243 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 158 | May 1, 2025 | $1,542,779 | $81 |
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.
Reported to OSHA
Reported to OSHA for 2025: 219 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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