Form 5500 · Employee benefit plan · EDINBURG, TX
VANGUARD ACADEMY CHARTER SCHOOL
The filing calls this plan VANGUARD ACADEMY CHARTER SCHOOL WELFARE BENEFITS PLAN.
VANGUARD ACADEMY CHARTER SCHOOL of EDINBURG, TX spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is FINANCIAL BENEFIT SERVICES LLC. Coverage is written through HEALTH CARE SERVICE CORPORATION and 6 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-2971562 · plan 501 · plan year 2025, filed Jan 27, 2026
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251 other employer plans in Texas have policy years ending in April. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
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 12 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTH CARE SERVICE CORPORATION, covers 1,062 people.
Reported premium across the insured contracts is $7,175,078, with $389,140 in disclosed broker commissions — about 5.4% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
FINANCIAL BENEFIT SERVICES LLC is the broker of record on 4 of the 12 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including HEALTH CARE SERVICE CORPORATION, METROPOLITAN LIFE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and UNUM INSURANCE COMPANY. HEALTH CARE SERVICE CORPORATION writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION | Health | 1,062 | May 1, 2025 | $5,922,914 | $188,276 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 1,369 | May 1, 2025 | $338,102 | $33,706 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 853 | May 1, 2025 | $150,361 | $30,072 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 377 | May 1, 2025 | $151,975 | $22,796 |
| 5STAR LIFE INSURANCE COMPANY | Life | 264 | May 1, 2025 | $61,702 | $20,415 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 443 | May 1, 2025 | $124,674 | $18,701 |
| UNUM INSURANCE COMPANY | — | 354 | May 1, 2025 | $93,931 | $16,908 |
| 5STAR LIFE INSURANCE COMPANY | — | 226 | May 1, 2025 | $69,730 | $16,016 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 347 | May 1, 2025 | $94,106 | $14,116 |
| UNITED HEALTHCAER INSURANCE COMPANY | — | 347 | May 1, 2025 | $69,127 | $14,037 |
| STARMOUNT LIFE INSURANCE COMPANY | Vision | 506 | May 1, 2025 | $53,580 | $7,366 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 859 | May 1, 2025 | $44,876 | $6,731 |
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.
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