Form 5500 · Employee benefit plan · CHESTERFIELD, MO
WATERWAY GAS & WASH COMPANY
The filing calls this plan WATERWAY GAS & WASH COMPANY WELFARE BENEFIT PLAN.
WATERWAY GAS & WASH COMPANY of CHESTERFIELD, MO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is RCP ALERA GROUP, LLC. Coverage is written through DELTA DENTAL OF MISSOURI and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0995011 · plan 501 · plan year 2025, filed Jul 16, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Vision: UNITEDHEALTHCARE INSURANCE COMPANY covers 3 of 168 participants (1.8%) on Schedule A.
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.
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 3 insured contracts covering dental, vision, life and disability; the largest, with DELTA DENTAL OF MISSOURI, covers 204 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $110,488, with $10,234 in disclosed broker commissions — about 9.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
RCP ALERA GROUP, LLC is the broker of record on all 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 173 | Jan 1, 2026 | $43,467 | $6,520 |
| DELTA DENTAL OF MISSOURI | Dental | 204 | Jan 1, 2026 | $58,702 | $2,956 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 3 | Jan 1, 2026 | $8,319 | $758 |
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
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 1,401 employees, 24 recordable cases, 217 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
How this plan compares
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