Form 5500 · Employee benefit plan · NORTH SALT LAKE, UT
TOM STUART CONSTRUCTION, LLC
The filing calls this plan TOM STUART CONSTRUCTION WELFARE PLAN.
TOM STUART CONSTRUCTION, LLC of NORTH SALT LAKE, UT insures health, dental, vision and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is KAREN BROWN - GBS BENEFITS. Coverage is written through MOTIVHEALTH and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0479043 · plan 501 · plan year 2025, filed Mar 24, 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.
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 5 insured contracts covering health, dental, vision and stop-loss; the largest, with MOTIVHEALTH, covers 236 people.
The filing declares health, dental, vision and life. Life appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $941,610, with $39,009 in disclosed broker commissions — about 4.1% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MOTIVHEALTH | Health, Stop-loss | 236 | Sep 1, 2025 | $865,827 | $33,484 |
| EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | Dental | 198 | Sep 1, 2025 | $62,867 | $3,770 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | 200 | Sep 1, 2025 | $7,897 | $1,222 |
| EYEMED VISION CARE | Vision | 173 | Sep 1, 2025 | $827 | $282 |
| TOTAL DENTAL ADMINISTRATORS OF UTAH | Dental | 30 | Sep 1, 2025 | $4,192 | $251 |
Premium and claims on this contract
MOTIVHEALTH, contract TSC0009SN. For the contract year on this filing, the carrier reported $865,827 in premium earned and $631,630 in claims incurred. Dividing one by the other gives 73%.
- MOTIVHEALTH, contract TSC0009SN reported $234,197 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.
Other plans filed by this employer
How this plan compares
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