Form 5500 · Employee benefit plan · IRVING, TX
SYB CONSTRUCTION CO., INC.
The filing calls this plan SYB CONSTRUCTION CO., INC. HEALTH AND WELFARE PLAN.
SYB CONSTRUCTION CO., INC. of IRVING, TX is a 125-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is FROST INSURANCE- FORT WORTH. Coverage is written through CURATIVE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 75-2053952 · plan 501 · plan year 2024, filed Jul 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: 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 2 insured contracts covering health, dental, vision and life; the largest, with CURATIVE INSURANCE COMPANY, covers 108 people.
Reported premium across the insured contracts is $1,046,334, with $70,002 in disclosed broker commissions — about 6.7% 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.
FROST INSURANCE- FORT WORTH is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: CURATIVE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CURATIVE INSURANCE COMPANY | Health | 108 | Jan 1, 2025 | $919,561 | $55,174 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life | 323 | Jan 1, 2025 | $126,773 | $14,828 |
Premium and claims on this contract
CURATIVE INSURANCE COMPANY, contract A8000482. For the contract year on this filing, the carrier reported $919,561 in premium earned and $998,127 in claims incurred. Dividing one by the other gives 109%.
- CURATIVE INSURANCE COMPANY, contract A8000482 reported $55,174 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: 325 employees, 4 recordable cases, 3 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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