Form 5500 · Employee benefit plan · ST. LOUIS, MO
WESTERN CONSTRUCTION GROUP, INC.
The filing calls this plan WESTERN CONSTRUCTION GROUP EMPLOYEE WELFARE PLAN.
WESTERN CONSTRUCTION GROUP, INC. of ST. LOUIS, MO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CUSTOM BENEFIT PROGRAMS INC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-1412377 · plan 501 · plan year 2025, filed Jul 13, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,182 other employer plans in Missouri have policy years ending in December. 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: prepaid legal, 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 820 people.
Reported premium across the insured contracts is $6,115,451, with $13,396 in disclosed broker commissions — about 0.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
CUSTOM BENEFIT PROGRAMS INC is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA, MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY and LEGALPLANS, USA. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | — | 62 | Jan 1, 2026 | $18,608 | $11,483 |
| LEGALPLANS, USA | — | 52 | Jan 1, 2026 | $12,480 | $1,728 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | Disability | 18 | Jan 1, 2026 | $17,908 | $185 |
| AETNA LIFE INSURANCE COMPANY | Health | 820 | Jan 1, 2026 | $5,516,555 | $0 |
| AETNA LIFE INSURANCE COMPANY | Dental | 798 | Jan 1, 2026 | $276,872 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 754 | Jan 1, 2026 | $127,633 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 290 | Jan 1, 2026 | $80,965 | $0 |
| AETNA LIFE INSURANCE COMPANY | Vision | 707 | Jan 1, 2026 | $37,434 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 673 | Jan 1, 2026 | $17,862 | $0 |
| PREFERRED RESOURCE NETWORK, INC. | — | 343 | Jan 1, 2026 | $9,134 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 673 | Sep 1, 2025 | — | $0 |
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.
How this plan compares
Subscribers see how this compares with similar plans in Missouri. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,182 other employer plans in Missouri are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Missouri — largest plans, brokers, carriers and renewal months.