Form 5500 · Employee benefit plan · RESTON, VA
THE MEDICAL TEAM, INC.
The filing calls this plan THE MEDICAL TEAM, INC. HEALTH & WELFARE PLAN.
THE MEDICAL TEAM, INC. of RESTON, VA spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GIS BENEFITS INC. Coverage is written through EVEREST REINSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1087014 · plan 501 · plan year 2025, filed Jul 8, 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: supplemental unemployment.
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 9 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with EVEREST REINSURANCE COMPANY, covers 162 people.
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 $338,530 in premium and $17,832 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 across the insured contracts is $781,765, with $122,801 in disclosed broker commissions — about 16% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
GIS BENEFITS INC is the broker of record on 3 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 116 | Oct 1, 2025 | $63,658 | $28,804 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 78 | Oct 1, 2025 | $46,950 | $21,418 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 143 | Oct 1, 2025 | $51,892 | $19,710 |
| EVEREST REINSURANCE COMPANY | Stop-loss | 162 | Oct 1, 2025 | $338,530 | $17,832 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 129 | Oct 1, 2025 | $98,139 | $12,474 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 321 | Oct 1, 2025 | $90,366 | $11,714 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 302 | Oct 1, 2025 | $56,237 | $8,112 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 505 | Oct 1, 2025 | $17,701 | $2,737 |
| AMERITAS LIFE INSURANCE CORP. | Dental, Vision | 390 | Oct 1, 2025 | $18,292 | $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.
Other plans filed by this employer
How this plan compares
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