Form 5500 · Employee benefit plan · HENRY, TN
TOSH FARMS
The filing calls this plan TOSH FARMS WELFARE BENEFIT PLAN.
TOSH FARMS of HENRY, TN spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is SHELIA GURIEN. Coverage is written through BLUERE OF TENNESSEE and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1522352 · plan 501 · plan year 2025, filed Jul 31, 2026
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63 other employer plans in Tennessee have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 9 insured contracts covering health, dental, vision, disability and stop-loss; the largest, with BLUERE OF TENNESSEE, covers 528 people.
The filing declares health, dental, vision, disability 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 one of the 3 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $37,676,943, with $109,720 in disclosed broker commissions — about 0.3% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health | 528 | Sep 1, 2025 | — | $43,247 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Dental | 544 | Sep 1, 2025 | — | $28,588 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 131 | Jan 2, 2026 | $70,142 | $10,521 |
| BLUERE OF TENNESSEE | Stop-loss | 528 | Sep 1, 2025 | $37,484,542 | $10,000 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 79 | Jan 2, 2026 | $39,578 | $5,937 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 105 | Jan 2, 2026 | $20,423 | $3,676 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Vision | 488 | Sep 1, 2025 | $32,822 | $3,297 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 57 | Jan 2, 2026 | $15,106 | $3,021 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 453 | Jan 2, 2026 | $14,330 | $1,433 |
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: 93 employees, 2 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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