Form 5500 · Employee benefit plan · LAUREL, MS
WEST QUALITY FOOD SERVICE, INC.
The filing calls this plan WEST QUALITY FOOD SERVICE, INC. CAFETERIA PLAN.
Public Form 5500 records show how WEST QUALITY FOOD SERVICE, INC. of LAUREL, MS, a hospitality and food service employer, structures its employee benefits. Its broker of record is GARY WEST II. Coverage is written through BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 64-0511249 · plan 501 · plan year 2024, filed Jun 25, 2025
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11 other employer plans in Mississippi have policy years ending in July. 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: death benefits, 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 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, covers 118 people.
Reported premium across the insured contracts is $925,974, with $50,530 in disclosed broker commissions — about 5.5% of premium.
The health contract's policy period ended in July, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
GARY WEST II is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY and UNITEDHEALTHCARE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY | Health | 118 | Aug 1, 2024 | $804,505 | $24,025 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Life, Disability | 102 | Jan 1, 2025 | $56,634 | $17,522 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental, Vision | 195 | Jan 1, 2025 | $64,835 | $8,983 |
Premium and claims on this contract
BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 070043, ET AL. For the contract year on this filing, the carrier reported $804,505 in premium earned and $592,361 in claims incurred. Dividing one by the other gives 74%.
- BLUE CROSS & BLUE SHIELD OF MISSISSIPPI, A MUTUAL INSURANCE COMPANY, contract 070043, ET AL reported $104,176 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
11 other employer plans in Mississippi are August 1 renewals (policy year ends July).
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