Form 5500 · Employee benefit plan · LAWRENCE, KS
THE LAWRENCE PAPER COMPANY, INC.
The filing calls this plan LAWRENCE PAPER COMPANY HEALTH AND WELFARE PLAN.
THE LAWRENCE PAPER COMPANY, INC. of LAWRENCE, KS is a 236-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WATCHTOWER TECHNOLOGIES INC. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 48-0305740 · plan 512 · plan year 2024, filed Oct 8, 2025
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How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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
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 4 insured contracts covering life, disability and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 240 people.
The filing declares life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $564,520 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium is $635,344; 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 240 | Jan 1, 2025 | $564,520 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 161 | Jan 1, 2025 | $35,963 | $0 |
| STANDARD INSURANCE COMPANY | Life | 316 | Jan 1, 2025 | $21,448 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 186 | Jan 1, 2025 | $13,413 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 136454. For the contract year on this filing, the carrier reported $21,382 in premium earned and $-3 in claims incurred. Dividing one by the other gives -0%.
STANDARD INSURANCE COMPANY, contract 136454. For the contract year on this filing, the carrier reported $13,365 in premium earned and $9,247 in claims incurred. Dividing one by the other gives 69%.
- STANDARD INSURANCE COMPANY, contract 136454 reported $21,386 in retention.
- STANDARD INSURANCE COMPANY, contract 136454 reported $5,508 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
Named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 250 employees, 8 recordable cases, 26 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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